Bank in Hobbs; Vice Chairman Dion Kidd, president of Western Bank in

Alamogordo; Secre-tary/Treasurer Sean Ormand, president of First New Mexico Bank in Silver City; Imme-diate Past-Chairman Mike Martin, presi-dent of Western Bank in Lordsburg; and Jerry Walker, president/CEO of ICBA/NM. Elected to the ICBA/NM board of directors for two-year terms were Justin Harper, presi-dent of Citizens Bank in

Las Cruces; Ray Litherland, chairman of Community 1st Bank Las Vegas; Don Padgett, president of Century Bank in Santa Fe; and Craig Reeves, president of the First National Bank of New Mexico in Clayton. Vink Miller, president of the First National Bank in Ruidoso, was named to fill Sean Ormand’s unex-pired term Q

Volume 137, No.8August 23, 2010

In This Issue...

FDIC Announces Changes: Open Door Policy Invites Public ParticipationFeature..............................................3

SWGSB at SMU 2010 Grads........7

Charter Activity..............................8

Classified.........................................9

Please route this issue:

www.bankersdigest.com

Marrs Elected Chairman, Independent Community Bankers Association of New Mexico

Stuckey Upped to EVP, First National Shawnee

Stuckey

First National Bank and Trust Company, Shawnee, OK, has announced the pro-motion of Annette Stuckey to execu-tive vice president. She serves as the bank’s CFO. The bank has also announced the promotion of Gloria Quezada to vice president and human resources manager and Jan Folmar to vice presi-dent and loan support manager. Stuckey, a CPA and 30-plus year banker, has served as senior vice pres-ident and CFO at First National for the past three years. Quezada has served with the bank for more than two years. She gradu-ated from Oklahoma City University in 2001 and received a master of accoun-tancy in 2003. Folmar, a bank employee for 11 years, most recently served as assistant vice president and loan support manager Q

Greg Marrs, president of First Ameri-can Bank in Artesia, was installed as the 2010-2011 chair-man of the Independent Bankers of New Mexico at the group’s 26th an-nual meeting at Inn of the Mountain Gods in Mescalero, NM. Marrs has served with First American Bank (formerly the First Na-tional Bank of Artesia) since 1989. He began his banking career as a commercial loan officer following two years with Farm Credit Service. He is a graduate of New Mexico State Uni-versity with a BBA degree in finance. He was named corporate president of First National Bank of Artesia in 2000. A NM native, he was born and raised in Carlsbad. Joining Marrs on the ICBA/NM executive committee for 2010-2011 are Chairman-Elect Sam Spen-cer, president of Lea County State

Greg Marrs

banking career at the age of 16 when he served as a bank teller in the Rio Grande Valley. After college, he joined the training program at Frost Bank in San Anto-nio. Hardin earned a BBA degree in fi-nance from Texas A&M University at Kingsville Q

Hardin

Hardin Is Mansfield Banking Center President, The American National Bank of Texas, TerrellJake Hardin has joined The American National Bank of Texas, Terrell, as pres-ident of the Mansfield Banking Center at 2170 Mansfield Rd., Ste. 110. Perry Ginn, president of the Tarrant and Johnson county banking centers, made the announcement. Hardin previously served 10 years with Frost Bank at the Mansfield Banking Center, most recently as a vice president. He has 15 years of banking experience with over 10 years in commercial banking. He began his

Page 2 BANKERS DIGEST August 23, 2010

First Victoria National Bank has named Craig Brooks senior vice president of private banking and Jeanie Jennings vice president of private banking in the Houston mar-ket. Brooks is a vet-eran Houston-area banker, serving almost 20 years as a private banker. He most recently served five years at Amegy Bank. He earlier served as a consumer/commer-

Access 1st Capital Bank in Denton has named Kevin Hodges senior vice president for com-mercial lending. He serves at the bank’s location on the corner of Car-roll Blvd. and Ea-gle Dr. in Denton. Randy Robinson, president/CEO of Access 1st Capital Bank, made the an-nouncement, commenting that he has

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Established 1942A Weekly Bank News Magazine

(USPS 041180)Published every Monday at Dallas, Texas

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Periodical postage paid at Dallas, TexasPOSTMASTER: Send address changes to

Bankers Digest®, 9550 Forest Lane, Suite 125, Dallas, Texas 75243-5964

Hodges

Hodges Joins Access 1st Capital as SVP in Dentonknown Hodges since the early days of their careers at First State Bank in Denton. Hodges has over 25 years of bank-ing experience beginning with First State Bank in Denton in 1984 and serving the last 13 years with TIB-The Independent Bankers Bank in Irving. Hodges is a graduate of Rice Uni-versity in Houston. Access 1st Capital Bank was es-tablished in October 2007 as a com-munity bank serving the Denton and North Texas market Q

Brooks Is Senior VP and Jennings VP, First Victoria National Bank in Houston

cial lender at Texas Commerce Bank in Katy and downtown Houston. He began his banking career with Capi-tal National Bank, Houston, where he started in the training program and later served in operations and corre-spondent banking as a relationship manager in East TX and southern LA. He is a graduate of The University of Texas at Austin and earned an MBA from Texas Tech University. He is active in the Katy Chamber of Commerce (legislative committee) and the Katy Area Economic Develo-ment Council Q

Brooks

Hanks Named VP/CLO,Value Bank Texas RockportValue Bank Texas, Corpus Christi, has announced the appointment of Don Hanks to vice president and commer-cial lender in Rockport at the 11 Hwy. 35 N location. Hanks has served in banking for more than 50 years. For the past 21 years, he served with Laredo-based IBC Bank and predecessor The Bank of Corpus Christi in Rockport as executive vice president and branch manager. He began his banking career with the Midland National Bank in Midland. He is a graduate of the Southwest-ern Graduate School of Banking at SMU in “class 2 or 3, sometime in the 1960s,” according to Hanks. His civic and community involve-ment is extensive. He is chairman of the finance committee for the Rock-port Chamber of Commerce and a member of the Aransas County United Way Foundation and Aransas County Education Foundation Q

Brooker Is SVP in AustinRegions Bank has announced that Mary Brooker has been named senior vice president and private bank sales team manager in Austin. She previously served as a senior vice president with Bank of America Q

August 23, 2010 BANKERS DIGEST Page 3

F e A T U R e

Source: Federal Deposit Insurance Corporation

www.fdic.gov/financialreform/

(continued on Page 12)

REGULATORY REFORM

FDIC Announces Changes: Open Door Policy Invites

Public Participation

B D

FEATURE

The imple-mentation of the sweep-ing financial reform under the Dodd-Frank Wall

Street Reform and Consumer Protection Act (Act) has top regulators “hitting the ground running.” The Federal Deposit Insurance Cor-poration (FDIC) has announced organi-zational changes to help implement the Act and an open door policy that will make it easier for the public to give in-put and track the rulemaking process.

The FDIC board of directors on August 10 approved the creation of a new Office of Complex Financial Insti-tutions (CFI) and Division of Deposi-tor and Consumer Protection (DCP) to help carry out its responsibilities under the Act. The CFI will perform continuous review and oversight of bank holding companies with more than $100 bil-lion in assets as well as non-financial companies designated as systemically important by the new Financial Stabil-ity Oversight Council. CFI will also be responsible for carrying out the FDIC’s new authority under the Act to imple-ment orderly liquidations of bank holding companies and non-bank fi-nancial companies that fail. The establishment of a new division dedicated to depositor and consumer protection will provide increased vis-ibility to the FDIC’s compliance ex-amination and enforcement program. While Congress established the new bureau under the Act to promulgate consumer protection rules, the FDIC maintains the responsiblity to enforce those rules for banks with $10 billion

or less in assets and to perform its traditional depositor protection func-tion. According to an FDIC press release dated August 12, the new open door policy goes well beyond what is re-quired by the Administrative Procedure Act that governs federal rulemakings. Under the new policy, the public will have a larger role in the process than ever before, especially being able to participate even before regulatory re-form rules are drafted and proposed. This voluntary public disclosure policy will apply to meetings between senior FDIC officials and the private sector discussing how the FDIC should inter-pret or implement provisions of the Act that are subject to independent or joint rulemaking by the FDIC. This new policy expands steps nor-mally taken in the formal notice and comment rulemaking process. First, the FDIC will hold a series of round-table discussions with external parties on implementation issues in order to provide balanced input throughout the

Page � BANKERS DIGEST August 23, 2010

p e o p l e TeXAS

Retired Banker Harry Stuart Hutchison Jr. Dies at Age 73

oKlAHoMA

Vanscoy Is Credit Information Specialist, Regent in Tulsa

ARIZoNA

Lamb Is VP, BBVA Compass Wealth Mgt Group in DallasBBVA Compass announced that Dustin Lamb has been appointed vice president of Healthcare Financial So-lutions for the bank’s Wealth Manage-ment Group. Based in Dallas, he will serve the private banking, investment, and trust needs of clientele within the medical community. Mark Reily, EVP and North Cen-tral Texas Regional Executive for BBVA

Compass Wealth Management, made the announcement. Lamb, who has more than 15 years of banking and finance experience, began his career at JPMorgan Chase Bank in the personal financial services group. Prior to joining BBVA Com-pass, he served as a vice president in the Private Bank for Wachovia where he created customized financial solu-tions for high net worth individuals and businesses Q

Retired Austin and San Antonio bank-er Harry Stuart Hutchison Jr. died on August 1 at his home in Austin at the age of 73. Hutchison was born in Robstown on Febuary 5, 1937. He served as a banker in San Antonio, Austin, and Llano be-fore retiring to assist in managing his family’s businesses. He began his banking career in San Antonio and later served as executive vice president for Travis Bank and Trust in Austin. He also served as president of Peoples Savings Bank in Llano. He was an avid and devoted Texas Longhorn fan Q

Regent Bank, Nowata, has named Kathy Vanscoy credit information specialist at the bank’s location at 7136 S. Yale Ave. in Tulsa. He previously served in lending and management positions at Valley Na-tional Bank, Tulsa, and Arvest Bank Q

Stoa Joins UMB Bank As SVP/Wealth AdviserTodd Stoa has been hired by UMB Bank Arizona as senior vice president, wealth adviser and managing director, of UMB Asset Management Arizona in Phoenix. Stoa previously served in a similiar position with US Bank in Phoenix and earlier for 17 years as a private banker with M&I Bank in Phoenix. He is a graduate of The University of North Dakota Q

Armstrong Named Manager, First Fidelity Bank in Ok CityAmy Armstrong has been named banking officer and office manager with First Fidelity Bank, N.A., Oklaho-ma City. The 15-year banker serves at the Quail Creek location at 10904 N. May Ave., Ste. A, Oklahoma City Q

August 23, 2010 BANKERS DIGEST Page �

p e o p l e

Blackwood, Miller, Porrazzo Join OMNI BANK New Orleans

loUISIANA

Richland State Bank Names Morris and Banks Directors

OMNI BANK in New Orleans has hired Virginia Blackwood as assistant vice president and relationship manager, Jeff Miller as a banking officer and mortgage lender, and Jason M. Por-razzo as a banking officer and com-mercial credit analyst. Blackwood serves consumer and commercial customers in the Baton Rouge market and manages the bank’s branch in that market. The eight-year banker joins OMNI from a bank in SC. Miller originates mortgages for customers on the northshore of Lake Pontchartrain and elsewhere in the New Orleans market. He joins OMNI from Fidelity Homestead Savings Bank where he served as a relation-ship manager in Slidell. Porrazzo has five years of banking experience and previously served with First Guaranty Bank in Hammond Q

Richland State Bank, Rayville, has an-nounced the election of John C. Mor-ris III and Herbert J. Banks III to the bank’s and the parent company’s, Richland State Bancorp Inc., boards of directors. Morris, an attorney in Monroe for over 25 years, is managing partner of Dean Morris, LLP, and the principal of Morris & Associates and Lenders Title Corporation. Banks is a contractor, land develop-er, cattle farmer, and conservationist. He is president of Joe Banks Drywall & Acoustics Inc., Mangham, and also manages several other Banks family enterprises Q

CORRECTIONJohn C. Morris III has joined Mid-South Bank, N.A., Lafayette, as city president and commercial loan officer in Houma. In the August 16, 2010, is-sue, People Section, the story headline stated incorrectly that Morris joined MidSouth Bank as city president in Lafayette Q

Page � BANKERS DIGEST August 23, 2010

p e o p l e BANKING SCHool GRADUATeS

Southwestern Graduate School of Banking at SMU Announces 2010 GraduatesDr. S. Scott MacDonald, president/CEO of the SWGSB Foundation, Dal-las, has announced the graduates of Class LI (51) of the SW Graduate School of Banking at SMU. The 2010 graduates represent more than 57 fi-nancial institutions in 15 states. The graduates from financial institutions in the Bankers Digest coverage are the following by state. ArkansasMatt Reddin, Bank of the Ozarks, Little Rock, and Jason Trenary, Com-munity First Bank, Pea RidgeMississippiDerrick Biglane, BancorpSouth, Her-nandoNew MexicoFrank Seley, First American Bank, Ro-swellOklahomaShon Aguero, Landmark Bank, N.A., Durant; Ronnie Golden, Security First National Bank, Hugo; Tommy Sleep-er, First United Bank, Colbert; Scott Stidham and Bryan Wandel, First United Bank, Durant; Susie Suther, Landmark Bank, Madill; Jay William-son, First United Bank, Wewoka; and-John Worthy, First United Bank, HugoTexasBryan Alexander, Collin Bank, Fris-co; Jason Balkcom, Shelby Savings Bank, Center; Theresa Bazan, Com-

erica Bank, Carrollton; Jerrad Besch, Legend Bank, Bonham; Natalye Bol-linger, LegacyTexas Bank, Plano; Dar-rell Brown, Town and Country Bank, Stephenville; Kathy Brown, Citizens National Bank, Henderson; Don But-ler, Westbound Bank, Katy; Barbara Carney, TIB-The Independent Bankers Bank, Irving; Dianne Dennis, Texas Department of Banking, San Antonio; Darren Drake, First National Bank in Port Lavaca; Cole Dulaney, Plain-sCapital Bank, Dallas; Loren Estess, LegacyTexas Bank, Plano; Charlie Fell, Comerica Bank, Richardson; Jen-nifer Frye, PlainsCapital Bank, Dal-las; Somer Gaskins, Western Bank, Big Spring; Marty Gerber, HCSB, A State Banking Association, Hart; Chad Golden, TIB-The Independent Bankers Bank, Irving; Nick Haigood, City Bank, Lubbock; Jonathan Hill, AimBank, Lubbock; Braden Hood, Prosper Bank, Prosper; Ron Hopkins, Texas Country Bank, Lakeway; Andy Hou, Metro-Bank, Houston; Rick Jamieson, TIB-The Independent Bankers Bank, Irving; Christina Janecka, Citizens National Bank, Corsicana; Brenda Kim, Bank of the West, Grapevine; Ben Lacy, Com-munity Bank & Trust, Waco; Laura Lankford, West Bancshares Inc., West; Ricky Leal, First Community Bank, Harlingen; Hunter Lord, City Bank

Texas, Plano; Kyle McClellan, Main-land Bank, Texas City; Christy McCoy, Lone Star Capital Bank, NA, San Anto-nio; Debbie McGee, Mainland Bank, Texas City; Dustin Newton, The Bank and Trust, SSB, San Angelo; Michael Rowton, PlainsCapital Bank, Dallas; Sherry Sitton, First Command Bank, Fort Worth; Francis Spruiell, Austin Bank, Texas NA, Nacogdoches; Jodie Stark, Security State Bank, Diana; Chris Stringer, SNB Bank of Dallas, Frisco; Jay Sudderth, Federal Reserve Bank of Dallas; Deborah Summers, Amistad Bank, Del Rio; Phil Teinert, First Community Bank, San Benito; Horacio Thomas, First National Bank, Hidalgo; Jim Vineyard, PlainsCapital Bank, Fort Worth; S.J. Westbrook, The First National Bank of Aspermont; Steve White, American National Bank of Texas, Dallas; David Yeates, First Commercial Bank, New Braunfels; and Elvia Zavala, United Bank of El Paso, El Paso Q

NeW MeXICo

First Community Bank Ups Two to VP, Hires New VPFirst Community Bank of New Mexico has announced the promotion of Jo-sephine Gabaldon and Patrick Gab-aldon to the vice president level and the hiring of Casey Bresnahan as a vice president. Josephine Gabaldon serves as branch operations support manager in Albuquerque. She manages the CD/IRA/HSA department and the opera-tions specialist team which conducts branch audit reviews. She has served with the bank for eight years and pre-viously served as assistant vice presi-dent/operations project manager. Patrick Gabaldon serves as product manager in Santa Fe. He is responsible for product development, promotion, and education. The 16-year banker and four-year bank employee previously served as an operations analyst. Bresnahan has been hired as a business banker. He is a graduate of The University of Texas and is the immediate past president of Haven House’s board of directors Q

August 23, 2010 BANKERS DIGEST Page 7

N e W S W A T C HTeXAS

Bank Fails in Illinois, YTD Total Failures 110

The Texas Department of Information Resources recently updated its policy to align TX with 44 other states by es-tablishing [state].gov as the consis-tent naming standard for the primary domain name for electronic commu-nication. Effective September 1, 2010, the State of Texas is moving to a uniform domain name. The Texas Department of Banking’s new web address will be www.dob.texas.gov. Departmental e-mail addresses will also change to firstname.lastname@dob.texas.gov. The address for the informational pre-paid funeral website maintained by the Department will be www.prepaid-funerals.texas.gov. Any literature referencing the Texas Department of Banking’s website or e-mail address should be updated at the next reprinting. As an example, all regulated entities must update their privacy notices to reflect the new web-site and e-mail address:• E-mail: consumer.complaints@dob.texas.gov• Website: www.dob.texas.gov. While mandatory compliance for these changes is September 1, 2011, the banking department encourages financial institutions and others to begin the process of updating their literature, disclosures, and notices as early as possible. If you have policy questions, please contact the Director of Strategic Sup-port, Wendy Buitron. Technical ques-tions can be directed to the Informa-tion Technology Manager, Joe Broz Jr. Telephone number 512/476-1300 Q

TX Department of Banking To Change Domain Name

FAIleD BANKS

Frost Bank to Relocate High-Profile Addison BranchFrost National Bank, San Antonio, has signed a lease on 9,488 square feet of space in the high-profile Colonnade building in Addison and will relocate its existing branch in the Millennium Tower to the new space. Frost will take the first-floor space previously occupied by Bank of Amer-ica. Frost gets a large drive-thru motor bank and more parking in the deal Q

Illinois Department of Financial and Professional Regulation-Division of Banking closed Palos Bank and Trust Company, Palos Heights, IL, on Au-gust 13, and the FDIC was named re-ceiver. The FDIC entered into a P&A agree-ment with First Midwest Bank, Itasca, IL, to assume all of the deposits (1.0% premium) and purchase essentially all of the assets of the failed bank under a loss-share transaction. As of June 30, 2010, Palos Bank and Trust Company had approximately $493.4 million in total assets and $467.8 million in total deposits. The FDIC estimates the cost to the DIF will be $72.0 million. The Palos Bank and Trust Company failure is the 110th FDIC-insured institu-tion to fail in 2010. FDIC Chairman Sheila Bair predicted in April 2010 that the number of U.S. bank failures in 2010 would exceed the 140 banks that failed in 2009, but she said 2010 would mark the peak of this bank failure cycle. Based on the 103 bank failures as of July 23, this year is on pace to record 184 failures. Bank fail-ures peaked in 1989 when 533 banks and thrifts failed, according to the FDIC Divi-sion of Research and Statistics Q

The Dodd-Frank Wall Street Reform and Con-sumer Protection Act results in functions and responsibilities of the Office of Thrift (OTS) being divided among the Board of Governors of the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC). On July 21, 2011, supervision of federal savings associations will be transferred from the OTS to the OCC. All suits, or-ders, regulations, resolutions, determi-nations, etc., that have been issued by the OTS will be transferred and remain in effect, and are enforceable. The Act preserved the charter choice as a fundamental element of the dual banking system. A federal savings asso-ciation may choose to change its charter. The American Council of State Sav-ings Supervisors (www.acsss.org) says that a federal savings association should consider the advantages of a state sav-ings bank or a state bank charter: 1) continue to operate any branch it oper-ated immediately before the savings as-sociation became a bank; and 2) estab-lish, acquire, and operate additional branches in any state in which the sav-ings association operated, depending upon the law of the state in which the branch is located or is to be located Q

Dodd-Frank Act Impacts Federal Savings Associations

ReGUlAToRY ReFoRM

Page 8 BANKERS DIGEST August 23, 2010

R e G U l A T o R S

C h a r t e r

a c t i v i t yArkansasBRANCHES The OFFICE OF COMPTROLLER OF THE CURRENCY has approved an application by First National Bank of Eastern Arkansas, Forrest City, to re-locate a branch from 1000 Main St. to the corner of 6th St. & Barton St., Earle.LouisianaBRANCHES The OFFICE OF FINANCIAL IN-STITUTIONS has filed/approved an application by Community Trust Bank, Choudrant, for a branch at 605 Cres-cent Blvd., Ste. 101, Ridgeland, MS. The OFI has filed/approved an ap-plication by Red River Bank, Alexan-dria, for a branch at 5868 Line Ave., Shreveport. The OFI has approved an appli-cation by Cameron State Bank, Lake Charles, for a branch at 2800 Country Club Rd., Lake Charles.TRUST POWERS The OFI has filed/conditionally ap-proved an application by IBERIABANK, Lafayette, requesting permission to ex-ercise full trust powers.

TexasBRANCHES The OCC has approved applications by JPMorgan Chase Bank, N.A., Columbus, OH, for: 12244 Montana Ave., El Paso; 255 W. Parkwood Ave., Friendswood; and 1811 S. Congress Ave., Austin. The OCC has approved an applica-tion by Frost National Bank, San An-tonio, to relocate a branch from 15455 North Dallas Pkwy., Ste. 100, to 15301 North Dallas Pkwy, Addison. The OCC has approved an appli-cation by Lone Star National Bank, Pharr, for 10000 San Pedro, San An-tonio, and received applications for 1916 Junction Hwy., Kerrville, and 201 N. Texas, Rio Grande City. The TEXAS DEPARTMENT OF BANKING has approved an appli-cation by Fidelity Bank, Plano, for a branch at 10703 Preston Rd., Dallas. The TXDB has approved an appli-cation by Herring Bank, Amarillo, for an interstate courier branch to serve El Paso County, CO. The TXDB has approved an applica-tion by First State Bank Central Texas, Austin, to relocate a branch from 119 E. Davilla to 201 E. Davilla, Granger. The TXDB has approved an ap-plication by Comerica Bank, Dallas, to relocate a branch from 2964 LBJ Fwy. to 3115 Forest Ln., Dallas. The TXDB has received an applica-tion by Industry State Bank, Industry,

to relocate a branch from 1436 FM 109 to 1210 FM 109, New Ulm.MERGERS AND ACQUISITIONS The FEDERAL RESERVE BANK OF DALLAS has filed an application by Cecil R. Simmons, San Benito, indi-vidually, and Cecil R. Simmons, Leon-ard P. Simmons, Anita Simmons Bo-swell, and Michael Scott (the Director Group), and others known collectively as notificants to acquire 25% or more of the shares and thereby control of First San Benito Bancshares Corporation, San Benito, and indirectly acquire First Community Bank, N.A., San Benito. The FRB of DALLAS has filed an application by John D. Mican, Robert E. Berryhill, Tammy L. Goertz, and Dianna L. Kana, individually, and col-lectively as co-trustees of the Bastrop Bancshares Inc. Employee Stock Own-ership Plan (ESOP) and on behalf of the ESOP to exceed 10% ownership and control of Bastrop Bancshares Inc., Bastrop, and indirectly The First National Bank of Bastrop, Bastrop. The FRB of DALLAS has filed an ap-plication by James William Collins, as trustee of the Vanco Trusts and Vann Cook Trusts, the Vanco Trusts, and the Vannie Cook Trusts, all of McAllen; Ra-fael G. Garza, Hugo Del Pozzo, Bravo Equity Partners II LP, Bravo Equity LP, and RGG Capital LLC, all of Fort Worth; and Jennifer Stone and Tyler Stone, both of Dallas, together as a group acting in concert to acquire 25% or more of the shares of, and thereby control, Family Bancorp Inc., San An-tonio, which controls San Antonio Na-tional Bank, Refugio. The OCC has received an application by Austin Bank, Texas National Associa-tion, Jacksonville, for an affiliate merger with First State Bank, Frankston. The OCC has received an applica-tion by Green Bank, N.A., Houston, to P&A a branch of OneWest Bank, FSB, Pasadena, CA, at 4029 Northwest Pkwy., Dallas, (a branch of La Jolla FSB, La Jolla, CA). The TXDB has received an applica-tion by Security State Bank, Anahuac, to P&A a branch of Legend Bank, N.A. Bowie, at 501 N. Cleveland, Dayton.MAIN OFFICE RELOCATION The TXDB has received an application by Plains State Bank, Humble, to relocate its main office from 9688 FM 1960 Bypass W. to 19404 Kenswick Dr., Humble Q

August 23, 2010 BANKERS DIGEST Page �

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Page 10 BANKERS DIGEST August 23, 2010

C l A S S I F I e D leader by example. Please respond to bankersdigest@bankersdigest.com, subject line Box A-3.

POSITIONS AVAILABLE

EAST TEXAS lender to be “face” of the bank. Must have strong business development skills. Will hire some-one from out of the area. Sharon Emiliano, Babich & Associates, Sha-ron@babich. com, 214/823-9999, #306, www.babich.com. (see bank-ing).

LOUISIANA COMMERCIAL LENDER with 5+ years experience plus strong business development and credit skills. Great opportunity with a grow-ing organization in a small town! Harvey Urban, Babich & Associates, hurban@babich.com 214-823-9999 #304.

COMPLIANCE MANAGER: Large Community Bank needs highly-ex-perienced COMPLIANCE PROFES-SIONAL to manage team. Please call for more details. Mark Mitchell, Lone Star Search, 972.335.9009, www.lonestarsearch.net.

OPERATIONS MANAGER/COO: Community Bank, manage back-of-

fice Ops personnel, bring products/services strategies to enhance cus-tomer service. Mark Mitchell, Lone Star Search, 972.335.9009, www.lonestarsearch.net.

LOAN PRODUCTION OFFICER: 100+ year old, $190 million community bank is seeking a loan production of-ficer for the Austin, TX, market. Se-nior lending experience is required-or commercial lending portfolio development. Candidate will assist in selecting and managing future branch location in the Austin market. Email response to bankersdigest@bankers-digest.com, subject line Box A-7.

BANK INTERNAL AUDITOR/COM-PLIANCE AUDITOR: Positions in Vernon, Azle, Grand Prairie, or Am-arillo, Texas. Must possess strong audit skills for financial, operations, and regulatory compliance audits. Call or send resume to Campbell Burgess, Herring Bank, CBurgess@HerringBank.com, 806-242-3704.

SENIOR LOAN OFFICER NEEDED: Position to manage lending activi-ties of bank; loan compliance expe-rience helpful. Send resume to First National Bank of Canton, Attn: Ben Shirey, P.O. Box 517, Canton, TX 75103.

COMMUNITY BANK LOAN OFFI-CER: Vernon, Texas. Must possess strong lending and business devel-opment skills. Community partici-pation a plus. Call or send resume to Campbell Burgess, Herring Bank, CBurgess@HerringBank.com, 806-242-3704.

LENDING AREA MANAGER: Lub-bock bank is seeking a qualified senior lender to direct, administer, and coordinate the activities of an assigned Area (business unit) in ac-cordance with the bank’s overall objectives, policies, and goals. Will manage customer relationships, growth, and credit quality. College degree preferably in the fields of finance or accounting with addi-tional education at the graduate and/or professional banking pro-gram levels. Minimum of 10 years of progressively responsible expe-rience in banking/lending with em-phasis on significant commercial and real estate transactions. Strong background in loan management, structuring, and monitoring. His-tory of loan covenant development, implementation, and monitoring. Strong management and adminis-trative skills. Please email resume to gmills@lubbocknational.com or fax to 806/792-0976. EOE.

AUSTIN BANKLocation President Marshall

Banking experience with a B.A. in Finance, Accounting, or related field. Credit and underwriting experience required. Sales-oriented. Excellent communication and organizational skills and exceptional sales and customer service skills. Must be computer literate and require minimal supervision. Competitive salary and excellent benefits including medi-cal, dental, and life insurance, holiday and vacation pay, and 401k and profit sharing programs. Qualified applicants please email resume to:

humanresources@austinbank.comAll offers of employmenet are contingent upon successful completion of a criminal background and credit report for employment purposes.

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Page 11 BANKERS DIGEST August 23, 2010

C l A S S I F I e D OPERATIONS MANAGER: Commu-nity bank in Arizona needs highly-experienced operations profes-sional to manage team. Jack Henry & IT experience preferred. Send resume to careers@wvnb.net or fax to 623/535-2461.

The Security Center, Inc. is the fast-est growing bank security provider in the state. We are currently seek-ing EXPERIENCED SALES REPRE-SENTATION for our SE Texas/Gulf Coast/Valley territory. Candidates must have bank security sales ex-perience and reside within the specified territory. Some travel is required. We offer Salary + commis-sions, company car, expense reim-bursement, and a full benefits pack-age. Please forward resume and inquiries to jpeebles@securitytexas.com or call 713/416-3181.

COMMUNITY BANK BRANCH MAN-AGER – First Financial Bank, N.A. (Abilene), a 120+ year old commu-nity bank ranked # 1 in the Nation by Bank Director’s Magazine with $1.1 billion total assets, is seeking a branch manager. Minimum 3-5 years senior management experi-ence required with consumer and commercial lending experience (5 years minimum). Ag lending ex-perience is desirable. Competitive salary and excellent benefits. Send resume to bankersdigest@bankers-digest.com, subject line Box A-4.

LENDING POSITION AVAILABLE: Town and Country Bank, an Inde-pendent Main Street Community Bank, is growing and needs to ex-pand its lending operations. We are seeking a qualified loan officer with 3-5 years consumer, commer-cial, and real estate lending experi-ence for one of our banking centers.Somervell County.. Interested appli-cants should send resume to Town and Country Bank, Executive Vice President CLO, P.O. Box 2062, Ste-phenville, Texas 76401.

Growing Houston based community bank seeks COMMERCIAL AND IN-DUSTRIAL LENDER with five plus years of C and I lending experience. Job requires prospecting, network-ing, credit underwriting, credit anal-ysis, and other skills necessary to grow a portfolio of loans. The lend-ing position will be for the bank’s West/Southwest/Southeast Market. Please submit a resume to bankers-digest@bankersdigest.com, subject line Box A-5.

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N e W S W A T C H

Wells Fargo Ordered to Pay in Overdraft Fee CaseU.S. District Court Judge William Al-sup of Northern California, in a 90-page ruling issued on August 10 after a two-week bench trail, ordered Wells Fargo & Co. to pay more than $200 million in restitution to CA custom-ers for manipulating and multiplying overdraft fees. According to an article by CNNMoney staff writer Aaron Smith, Judge Alsup said Wells Fargo used “a bookkeeping device” that turned one instance of overdrawing an account into as many as 10, allowing the bank to multiply the number of fees it could collect from a single mistake. “The bank went to considerable ef-fort to hide these manipulations while constructing a facade of phony disclo-sure,” he said. The ruling said Wells Fargo must pay $203 million in restitution to CA customers for its liberal use of $35 overdraft fees. This is a fraction of the $1.8 billion in overdraft fees that Wells Fargo collected in CA from 2005 to 2007, according to the court. In 2001, Wells Fargo changed the way it treated daily debit transactions and cash withdrawals so that transac-tions with the highest dollar amount posted first, rather than in the order they occurred, according to the facts of the case as reported by Erik Schatz-ker in Bloomberg’s Business Briefs. The practice, allegedly intended to boost revenue from overdraft fees, led to customers overdrawing accounts by small amounts multiple times a day. In his order, Judge Allsup said Wells Fargo must end the practice by No-vember 30, 2010. Wells Fargo spokeswoman Richele Messick said that her company was “disappointed” with the judge’s ruling and that “we plan to appeal.” Q

oVeRDRAFT FeeS

Page 12 BANKERS DIGEST August 23, 2010

ADDRESS CHANGE - When writing to us about your subscription, enclose the address label from your copy of Bankers Digest. You can also change your address at www.bank-ersdigest.com under subscriptions.

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TDisaster Assistance

rulemaking process. The discussions will be available for public viewing via webcast. Any interested party can re-quest a meeting with FDIC officials or staff by submitting a form that will be provided on the FDIC’s webpage. On a bi-weekly basis, the FDIC will release the names and affiliations of private sector individuals who meet with senior FDIC officials to discuss implementing the new law through independent or joint rulemaking. The FDIC will also release the subject mat-ter of those meetings. The FDIC will

webcast all open Board meetings, including those regarding regulatory reform. To seek input from the widest au-dience possible, the public can sub-mit views via email on how the FDIC should implement the new law. These comments will become part of the re-cord and will be posted on the FDIC website. The public will also be able to sign up for a subscription service for receiving notices on major devel-opments. The FDIC has also crafted bill summaries and added a fact sheet that will be regularly updated

to reflect policy decisions during the

implementation process. This can all

be accessed at the dedicated financial

reform webpage, http://www.fdic.gov/fi-

nancialreform/.

If you are on the FDIC’s home page

for other information, go to the upper

righthand portion for the FDIC and Fi-

nancial Regulatory Reform box, which

is in dark blue with the word “NEW”

outlined in red. Hit the “read more”

button to access the information men-

tioned in this story Q

Feature (continued from Page 3)