Bank of Oak Ridge, Oak Ridge, LA, has welcomed Paige Oliver as its new president and CEO, said Bank of Oak Ridge Chairman of the Board Clint Shepard. “Paige brings valu-able experience that will help our bank con-tinue to succeed while maintaining the integ-rity of our century old community bank,” said Shephard. She previously served as executive vice president of investor relations and strategic initiatives at Community Trust Bank in Monroe, LA. Oliver earned a BS degree in man-agement information systems from Louisiana Tech University, an MBA de-gree from Louisiana State University,

Volume 146, No. 14April 13, 2015 www.bankersdigest.com

(continued on Page 2)

Published weekly on Mondays except fifth Mondays

Giles Named President of First State Bank and Trust Company of Carthage, Texas

TBA 131st Convention Set for April 15-17

Oliver

Mobile Banking and Mobile Payments Continue to Increase in the United StatesFeature..............................................3

In This Issue...

Oliver Named President/CEO, Bank of Oak Ridge, Louisiana

and is a graduate from the Graduate School of Banking at LSU.

Oliver is involved in community activities, including service on the boards of directors for the Louisiana Tech Uni-versity Alumni Associa-tion and the Twin City Art Foundation. She also serves on the Ernst & Young Global Women in Business Advisory Council. Bank of Oak Ridge, started in 1910, has re-

ceived the BauerFinancial Inc. 5-Star Superior rating and the title “Best of Bauer Bank,” a designation for banks that have maintained the 5-star rating for 25 years or longer. The bank report-ed total assets of $54 million and total deposits of $49 million at YE 2014 Q

First State Bank and Trust Company, Carthage, TX, has announced the pro-motion of Gene Giles to president by the board of directors in March 2015. Giles has been employed with First State Bank and Trust Company since 1978. During his 37-year tenure, he has served in many positions, most recently as senior vice president and chief lending officer. A Panola County native, Giles is a graduate of Panola College and Ste-phen F. Austin State University, where he earned a BBA degree in management. Deeply rooted to the community,

Giles has served with organizations such as Mission Carthage and the Sal-vation Army. He is vice president of the Panola College Foundation and vice president of the Panola College Alumni Association. He is also an ac-tive member of the Carthage Volun-teer Fire Department, National Vol-unteer Fire Council, State Firefighters’ & Fire Marshals’ Association of Texas, and Texas Commission on Fire Protec-tion. He is also a member of the Pa-nola County Chamber of Commerce, Panola County Cattlemen’s Associa-tion, and Lions Club International Q

The Texas Bankers Association has announced its 131st Annual Conven-tion is set for April 15-17 at the brand new 1,012 room JW Marriott in down-town Austin. The convention theme, “On the Horizon,” sets the tone for the schedule of events which includes na-tionally acclaimed speakers, dynamic breakout sessions, networking op-portunities, a golf tournament, and a marketplace featuring the industry’s best product and service providers. Activities begin on Wednesday, April 15, with a morning golf tourna-ment at Omni Barton Creek Resort and a morning Austin 5K fun run. An afternoon marketplace preview recep-tion rounds out the day’s events. The opening general session on April 16 will feature speakers: Cyn-thia Marshall, SVP/human resources for AT&T; the TBA chairman’s address by John Snider, Shelby Savings Bank, Center; and the ABA chairman’s ad-dress by John Ikard, ABA chairman-elect. Jim Crupi, Strategic Leadership Solutions founder, will offer remarks on leadership. The luncheon on April 16 will fea-ture Cornerstone & LIFE Awards, fol-lowed by a marketplace dessert recep-tion. Afternoon concurrent breakout sessions round out the day’s events. Friday’s general session will fea-ture notable speakers: nationally ac-claimed economist Elliot Eisenberg,

Page 2 BANKERS DIGEST April 13, 2015

PlainsCapital, Dinh was a commercial banking officer for Memorial City Bank and served at Trustmark Bank and Wa-chovia Bank. She received a BS degree in banking and finance from the Uni-

versity of Nebras-ka at Omaha. David Timmer-meyer joins as vice president/commercial lender in Houston. He is responsible for generating com-mercial loan busi-ness, growing

existing relationships, and expand-ing the bank’s presence in Fort Bend County. With more than 16 years in banking, he has served at Trustmark Bank, IBERIABANK, Whitney Bank, and BBVA Compass. He is a graduate of the University of Houston Q

middle market corporate and real es-tate lender for Frost Bank, in addition

to roles at Com-pass Bank, Bank United, Comerica Bank, and Texas Commerce Bank. He holds a BBA degree from Texas A&M University. Jesse Santana Jr. joins as senior vice president/

commercial lender in Weslaco. He is responsible for generating commercial loan business, growing existing rela-tionships, and expanding the bank’s presence in the Rio Grande Valley. Santana has more than 22 years of banking experience. Prior to joining

PlainsCapital, he was a corporate re-lationship manag-er for BBVA Com-pass. He served at Texas State Bank and Mercedes Na-tional Bank. He received BBA and MBA degrees from The University of

Texas – Pan American. Anne Dinh joins as vice president/commercial lender in Houston. She is responsible for generating com-mercial loan business, growing exist-ing relationships, and expanding the bank’s presence in the Houston market. Dinh has more than 15 years of banking experience. Prior to joining

PlainsCapital Bank, Dallas, has an-nounced recent appointments. Alan

Croley joins as senior vice presi-dent/commercial lending in Hous-ton. He is respon-sible for devel-oping C&I loans/relationships for the Houston re-gion. He is also the team leader

for the Houston region C&I lenders. With more than 32 years of experi-ence in banking in the Houston market, Croley has expertise in lending, cash flow analysis, business development, budgeting, acquisitions, due diligence, negotiating, and loan operations. Prior to joining PlainsCapital, he was a middle market commercial lend-er for IBERIABANK. He also served as C&I lender for Memorial City Bank,

p e o p l e TeXAS

Bankers Digest®

Established 1942A Weekly Bank News Magazine

(USPS 041180)Published weekly on Monday except fifth Mondays

at 9516 Bill Browne Lane, Dallas, Texas 75243Copyright 2015 Bankers Digest®

BONNIE JAMISON BLACKMAN, Publisher/EditorR. GILBERT BLACKMAN JR., Managing Editor

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Periodical postage paid at Dallas, TexasPOSTMASTER: Send address changes to Bankers Digest®, P.O. Box 743006, Dallas,

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Croley

PlainsCapital Bank Taps Croley and Santana Senior VP, Dinh and Timmermeyer Vice Pres

Santana

In This Issue...Mobile Banking and Mobile Payments Continue to Increase in the U. S.Feature..............................................3

M&A Activity Update...................7

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

Classified.......................................10Dinh

Timmermeyer

TBA (continued from Page 1)

the new TBA chairman’s address by Ken Burgess, First Capital Bank of Texas, Midland; and keynote remarks by General Michael Hayden, former director of both the CIA and NSA on the topic “Cyber Threats & Other Dan-gers.” The TBA 50-Year Bankers Award lun-cheon will feature this year’s honorees. The afternoon events include concur-rent breakout sessions, followed by an evening reception and the Chairman’s Dinner and entertainment Q

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April 13, 2015 BANKERS DIGEST Page 3

F e A T U R e

Source:Federal Reserve Board

www.federalreserve.gov

MOBILE BANKING

Mobile Banking and Mobile Payments Continue to Increase in the U.S.

B D

FEATURE

(continued on Page 12)

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The use of mobile phones to ac-cess bank ac-counts, credit cards, or other finan-

cial accounts continued to increase among adults in the United States last year, according to a Federal Reserve Board report, Consumers and Mobile Fi-nancial Services 2015 (PDF). The report is the board’s fourth look at how con-sumers access banking services using mobile phones (“mobile banking”), and their payments for goods and ser-vices using mobile phones (“mobile payments”), as well as their use of mo-bile phones to inform their shopping decisions. The report was released on March 26. As of December 2014, 39% of adults with mobile phones and bank accounts reported using mo-bile banking--an increase from 33% a year earlier. The most common use of mobile banking remains checking account balances or recent transac-tions. Transferring money between accounts is the second-most common mobile banking activity. More than half of mobile banking users received an alert from their financial institution through a text message, push notifica-tion, or e-mail--making this the third most common use of mobile banking. Remote deposit capture, or de-positing a check to a bank account electronically using a mobile phone camera, was also a common mobile banking activity. In the latest survey, 51% of mobile banking users reported depositing a check using their mobile phones, up from 38% a year earlier. Twenty-two percent of all mobile phone users made a mobile payment

in the 12 months prior to the survey, up from 17% a year earlier. For smart-phone owners who reported using mobile payments, the most common types of mobile payments were paying bills through an online system or mo-bile app, followed by making online or in-app purchases. Paying for a product or service in a store was the next most common type of mobile payment. The survey found that while the underbanked make up 14% of con-sumers, 90% of that group has access

to a mobile phone (73% of which are smartphones), and the underbanked represent a higher incidence of mobile banking (48%) than the fully banked (37%). The unbanked make up 13% of consumers and 67% of this group have access to a mobile phone (65% of which are smartphones). Mobile phones are also used to help make decisions while shopping. Among smartphone owners, 47% had used their phone to compare

Page 4 BANKERS DIGEST April 13, 2015

to client support analyst and help desk team lead. He holds a BA degree from St. Mary’s University. Shannon Savary has been pro-moted to legal analyst in the execu-tive management department in San Antonio. She joined Broadway in 2014 as a personal banker at the Boerne Banking Center. She has a BS degree in communication studies from The University of Texas at Austin and a Ju-ris Doctor from St. Mary’s University School of Law. Kevin Rademacher, CTFA, CFP®, joins Broadway Bank as vice presi-dent, wealth advisor and trust officer in the wealth management division. He has more than 13 years of expe-rience with multi-generational trust administration, comprehensive finan-cial planning, and retirement plan-ning. Prior to joining Broadway Bank, Rademacher worked as a regional trust consultant in the banking in-

in 2004 as a teller at the Shavano Banking Center, and after a series of promotions, ascended to a supervisor in treasury services. He earned a BS degree in computer science from Tex-as A&M University in College Station in 2004. He also holds the accredited ACH professional (AAP) certification. Carmen Pagan has been promoted to vice president, internal audit man-ager to lead the compliance team in the internal audit department. She joined the bank in 2009. She earned a BBA degree in accounting from The University of Texas at San Antonio, is a CPA, and is a certified fiduciary and investment risk specialist (CFIRS) and a certified anti-money laundering spe-cialist (CAMS). Joe Ramos has been promoted to vice president, bank secrecy act and fraud manager in the enterprise risk management department. He joined Broadway in 2008 in the information technology department and ascended

Broadway Bank reports promotions and new officers in San Antonio. Blake Lacy has been promoted to senior vice presi-dent, real estate lender in the com-mercial real estate lending depart-ment. He joined Broadway in 2009. He holds a BS de-gree and masters of land econom-ics and real estate degree from Texas A&M University. Active in the com-mercial real estate industry, he holds a certified commercial investment member (CCIM) designation. He will be a 2015 graduate of the Graduate School of Banking at LSU. Michael Bendele has been pro-moted to vice president, commercial product manager in the treasury ser-vices department. He joined the bank

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Lacy

Broadway in San Antonio Promotes Lacy to SVP, Four to VP, and Hires Two

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April 13, 2015 BANKERS DIGEST Page 5

Stan Jones, AVP with Western Bank in Lordsburg, has been named “Ag Lend-er of the Year” by the Independent Community Bank-ers Association of New Mexico (ICBA/NM). Jones was recognized by his peers at the conclusion of the 2015 Ag Lenders Conference held in Farmington, March 26 and 27. Jones has served with Western Bank

p e o p l e

BROADWAY (continued from Page 4)

NeW MeXICoJones Named Ag Lender of the Year by ICBA/NM

Jones

TeXAS

since 2001 and serves on the board of directors of Lordsburg Financial Cor-poration. He holds a bachelor’s de-gree in agricultural economics and is a 2003 graduate of the Western Agri-cultural Banking School. He is chair-man of the Hidalgo County Soil and Water Conservation District, board member (and past president) of the Sunset Canal Company, and a board member of Glenbar Gin Company. Jones was presented with a plaque by Chris Thomas, SVP of the Bank of Clovis, who served as chairman of the 2015 Ag Lenders Conference Q

dustry. He earned a bachelor’s degree from Excelsior College, a certificate in financial planning from Florida State University, and completed the ABA Graduate Trust School. He is a U.S. Navy veteran. DeSean Starks joins as assistant vice president, senior audit officer in the internal audit department. He has more than six years of experience as a contract auditor with the Department of Defense. He graduated from the The University of Texas at San Anto-nio with a BBA degree in accounting in 2008 and is a licensed CPA in TX Q

Page 6 BANKERS DIGEST April 13, 2015

fice is located in Market Street at DC Ranch North Scottsdale. The bank has

one full-service of-fice on Doubletree Ranch Rd. also in Scottsdale. Finemark Na-tional Bank opened its first AZ office in 2012. The bank hired David Highmark, former CEO of Northern

Trust Arizona, as president of the AZ market Q

p e o p l e

Michael Barnes has recently joined FineMark National Bank and Trust to oversee operations of the Fort Myers, FL-based bank’s newest Scottsdale of-fice, slated to open this spring. Named vice president and manag-ing executive, Barnes brings nearly 20 years of experience to his new posi-tion. He most recently served almost four years at MidFirst Private Bank’s

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Erin Beckett brings eight years of Flagstaff banking experience to her new position as branch manager for National Bank of Arizona in Flagstaff. Beckett previously served more than four years as a retail relationship manager for BBVA Compass and earli-er more than three years as a personal banker for Chase, all in Flagstaff. In her new position, Beckett will lead the pilot branch for technology and the Universal Banker model Q

wealth management group in Scott-sdale, overseeing all wealth manage-ment responsibilities for the Arizona market, with an emphasis on personal trust administration, portfolio man-agement, and business development. He earlier served at Northern Trust in Scottsdale as vice president and wealth strategist. FineMark National Bank’s newest of-

Beckett Joins NBA Flagstaff Branch Manager Position

Michael A. Hendricks joined The Cit-izens Bank of Clovis in Clovis as vice

president. Kent Carruthers, presi-dent/CEO, made the announce-ment. Hendricks has extensive bank-ing experience, specializing in agricultural and commercial lend-

ing. He was raised in the farming and ranching industry. He is a graduate of Texas Tech Uni-versity, earning a BS degree in agricul-tural economics with an emphasis on ranch management, and of the West-

ern States School of Banking Q

Hendricks

NeW MeXICo

Citizens Bank of Clovis Names Hendricks Vice Pres

April 13, 2015 BANKERS DIGEST Page 7

N e W S W A T C HTeXAS

First Financial Bankshares Acquires First Bank Conroe

Community Trust Bank Completes Buy of Houston BranchesCommunity Trust Bank (CTB), the wholly-owned subsidiary of Commu-nity Trust Financial Corporation, Rus-ton, LA, announced March 27 it has completed its acquisition of four full-service retail Whitney Bank branches in Houston. With the branch acquisi-tion, CTB is adding approximately $15 million in loans and assuming approx-imately $106 million in deposits, and

now operates seven Houston branch-es within its 41-branch network. The purchase was finalized and the branches were converted to CTB branches during the weekend of March 27-29. These acquired branches opened as CTB locations on the morn-ing of March 30: 12600 Memorial Dr., 6767 FM 1960 West, 5115 Main St., and 8002 Kirby Dr. Q

First Financial Bankshares Inc., Abilene, announced on April 1 that it has entered into a definitive agree-ment to acquire FBC Bancshares Inc. and its wholly-owned subsidiary, First Bank, N. A., Conroe. Subject to the terms and conditions of the definitive agreement, First Financial anticipates that the acquisition consideration will consist solely of First Financial common stock totaling $59.0 million. Pending necessary approvals, the ac-quisition is expected to be finalized in the second quarter of 2015. The acquisition of First Bank ex-pands First Financial’s TX footprint into the cities of Conroe, Magnolia, Montgomery, Cut and Shoot, Willis, and The Woodlands. It also includes a branch in Huntsville where First Financial has a current branch. The eight First Bank locations are locat-ed in and service the broader areas of Montgomery, Harris, and Walker counties, all located north of Houston along I-45. This acquisition fits First Financial’s previous pattern of buying strong banks in markets surrounding the state’s largest metropolitan areas. As of December 31, 2014, First Bank had total assets of $378.1 million, to-tal loans of $259.5 million, total de-posits of $342.4 million, and total eq-uity capital of $28.2 million. The bank was established in 1985 as a de novo during a time when a couple of TX’s largest banks’ affiliates controlled the Conroe banking market. Today, First Bank is the only remaining indepen-dent bank headquartered in Conroe. Based on information provided by Daniel T. Bass, CFA, managing director, Performance Trust Capital Partners in Houston, the $59 million consideration, according to SNL Financial, calculates to a deal value to be 386.9% of TBV, 16.2x LTM earnings, 17.23% of deposits, 15.87% of assets, and a tangible book premium to core deposits of 14.92%. According to Bass, SNL valuations for bank and thrift targets in the Southwest region between April 1, 2014, and April 1, 2015, averaged 129.51% of TBV, and had a median of 17.68x LTM earnings, on an aggregate basis Q

Page 8 BANKERS DIGEST April 13, 2015

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First NBT of Broken Arrow Begins Downtown Renovation

Three Charters Consolidated to Form Bear State BankBear State Financial Inc., the publicly-traded parent company for Bear State Bank, recently reported that on Feb-ruary 13, its three banking charters were consolidated into a single char-ter forming Bear State Bank. The three charters consolidated were First Fed-eral Bank of Harrison, First National Bank of Hot Springs, and Heritage Bank of Jonesboro.

The company said its operational intergration project is ongoing and includes the conversion of all bank operations to a single technology platform. The company expects the bulk of this integration project to be completed during the second quarter. According to the FDIC’s website, Bear State Bank, N. A., is headquartered at 5315 Highland Dr. in Little Rock Q

The First National Bank & Trust Co. of Broken Arrow has announced it is nearing the start of a seven-month interior and exterior renovation of its downtown facilities at 121 S. Main St. in Broken Arrow. Included in the construction plan is a 31-foot glass tower and gallery space to display artwork and histori-cal items, but the distinctive exterior clock and arrowhead door handles which have become downtown icons will remain in place. Board Chairman and CEO Gregory Graham said the bank will remain open during the construction period scheduled to get underway in early April, but a number of employees, in-cluding officers and personal bankers, will need to be temporarily relocated within the building. “It will definitely be a construction zone,” Graham said of the structure that was last remodeled in 1992. “We will expand teller presence at our drive-thru but customers may find it more convenient to utilize one of our other three community locations or take advantage of Online Banking ser-vices during this time,” he said. “We apologize in advance for any inconvenience this remodeling may cause,” Graham said, “but I’m sure our customers will enjoy seeing what we have planned and the experience of banking in our upgraded facilities in the heart of downtown’s Rose District.” First National Bank & Trust Co. of Broken Arrow opened its doors in 1902 in what is now downtown Broken Arrow. In more than 112 years of pro-viding trusted banking services to the community, only four chairmen have headed the institution. First National has four full-service locations in Bro-ken Arrow, employs 55 people, and is the oldest home-owned bank originat-ed in Tulsa County Q

Wanted:News at Your Bank

We Report at No Charge!bankersdigest@bankersdigest.com

Fax 214/221-4546

April 13, 2015 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 yArizonaMERGERS AND ACQUISITIONS The FEDERAL RESERVE BANK OF KANSAS CITY has received an ap-plication by UMB Financial Corpora-tion and Lakes Merger Sub LLC, both in Kansas City, MO, to acquire 100% of the voting shares of Marquette Fi-nancial Companies, Minneapolis, MN, parent of Meridian Bank, National As-sociation, Phoenix.ArkansasBRANCHES The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has re-ceived applications by First National Bank, Paragould, for branches: 1950 Pleasant St., Springdale; 4000 John-son Mill Blvd., Johnson; and 2691 E. Mission Blvd., Fayetteville. The ARKANSAS STATE BANK DE-PARTMENT has approved applica-tions by The Citizens Bank, Batesville, for branches: 4429 Central Ave., Ste. C, and 150 Airport Rd., both in Hot Springs. The ARSBD has approved an appli-cation by Southern Bancorp Bank, Ark-adelphia, for a branch relocation: from 6140 Hwy. 49 to 6011 Hwy. 49, Barton. The ARSBD has approved an ap-plication by Centennial Bank, Conway, for an emergency acquisition of FL branches of Doral Bank, San Juan, PR. MississippiBRANCHES The FRB OF ST. LOUIS has re-ceived an application by BankFirst Financial Services, Columbus, for a branch at 112 Sheffield Loop, Ste. B, Hattiesburg.TexasBRANCHES The FRB OF SAN FRANCISCO has received an application by East West Bank, Pasadena, CA, to establish a new branch office within its Houston Commercial Banking Office at 9090 Katy Fwy., Ste. 109, Houston. The OCC has approved an applica-tion by Wells Fargo Bank, N. A., Sioux

Falls, SD, for a branch at 9722 Fry Rd., Cypress. The OCC has received an applica-tion by BOKF, N. A., Tulsa, to relocate a branch of its d/b/a Bank of Texas, from 6215 Hillcrest Ave. to 6201 Hill-crest Ave., Dallas. The TEXAS DEPARTMENT OF BANKING has received an application by Westbound Bank, Katy, for a branch at 244 S. Loop 336 W., Conroe.MERGERS AND ACQUISITIONS

The FRB OF KANSAS CITY has received an application by UMB Fi-nancial Corporation and Lakes Merger Sub LLC, both in Kansas City, MO, to acquire 100% of the voting shares of Marquette Financial Companies, Minneapolis, MN, parent of Meridian Bank Texas, Fort Worth. The TXDB has received an appli-cation by Veritex Community Bank, Dallas, for a merger with Independent Bank of Texas, Irving Q

Bankers Digest Page 50

NOTICE TO BANKING INSTITUTIONS

The City of Manvel, Texas, pursuant to Chapter 105 of the Texas Local Gov-ernment Code, is seeking the submission of applications from all interested banks, credit unions and savings associations within 5 miles of the city limits, for the performance of depository services for the City of Manvel commenc-ing on or about August 1, 2015, as provided in the application specifications. Specifications and applications are available from the City Secretary, City Hall, 20025 Hwy 6, Manvel, Texas, phone number (281) 489-0630 x4. Completed ap-plications must be received by its designated officer, Wes Vela, Finance Direc-tor, c/o City Secretary, City Hall, 20025 Hwy 6, Manvel, Texas prior to 2:00 p.m., local time, Thursday, May 7, 2015, to be considered.

CLOSING/OPENING TIME/DATE: 2:00 P.M. May 7, 2015

Applications will be opened after closing time on May 7, 2015, at the City of Manvel. The Contract is expected to be awarded at the June 8, 2015, City Council meeting, or soon thereafter as practical. The Council meets at City Hall, 20025 Hwy 6, Manvel, Texas. Please note, the City of Manvel reserves the right to reject any and all bids as the best interests of the City dictate.

Wes Vela, Finance Director

Page 10 BANKERS DIGEST April 13, 2015

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MANAGEMENT SUCCESSION: New Mexico Community Bank seeks gen-eralist lender to eventually become President. Candidates with small-town backgrounds from NM or West Texas preferred. Mark Mitchell, Lone Star Search, 972-335-9009, lonestarsearch.net

Immediate opening for a COM-MERCIAL LENDER: First Bank & Trust, Lubbock, Texas, is seeking a qualified candidate for its Lubbock market. First Bank is a $730MM independent community bank and remains one of the fastest grow-ing banks in the Lubbock market, driven by building customer rela-tionships and customer service. Ap-plicant must possess a minimum of 5 years’ lending experience in com-mercial loans along with a working knowledge of commercial real es-tate lending. A business degree in finance is preferred. The successful applicant will possess the ability to work as a team member and have strong customer relation skills as well as strong written and communications skills. Please send responses/resume to bankersdigest@bankers digest.com, subject line Box M-3. EEO/AA.

RecRuitment Wage & SalaRy adminiStRation

incentive compenSation BonuS planS RegulatoRy compliance

policieS and pRoceduReS

employee HandBookS

affiRmative action planS

employee RelationS advice & counSel BenefitS analySiS

unemployment claimS aSSiStance

WoRkeRS’ compenSation aSSiStance

pRoductS & poSteRS

litigation SuppoRt

tRaining

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April 13, 2015 BANKERS DIGEST Page 11

The Bankers Bank, a correspondent bank headquartered in Oklahoma City, is seeking a SENIOR LENDING OFFICER in Texas who will be re-sponsible for managing a commer-cial loan portfolio and developing correspondent relationships and lending opportunities throughout the State of Texas. This position ensures that lending activities re-sult in maximum volume, generates appropriate profit for the bank and maintains a minimal delinquency ratio. Requires strong credit skills and ability to communicate well in both written and verbal formats. Preferred qualifications include un-dergraduate degree with commer-cial lending experience. Strong pro-fessional network and relationships with community banks in Texas are a plus. To apply, please email re-sume with cover letter and salary expectations to ksanders@thebank-ersbank.com

Eagle Bank and Trust Company: FT COMPLIANCE OFFICER – Little Rock, AR. Competitive pay and ben-efits package. FDIC Insured/EOE and EOE of Vets and IWD. To find out more about the job descrip-tion and complete an application, please go to www.eaglebank.com.

EXPERIENCED LENDER – Boswell, OK: First Texoma National Bank is seeking a lender with a minimum combined experience of 3-5 years in agricultural and small commer-cial loans. Have the willingness to live in a small town environment. Must be able to show experience in underwriting without a scoring system. Must have a proven track record of strong credit, collection, and management skills, as well as marketing and community partici-pation. The right candidate must be willing to relocate to Boswell, OK. Please send resume and salary re-quirements to Art Stauffer, P.O. Box 309, Durant, OK 74701. EOE.

FIELD EXAMINER: Are you a Retired or Retiring C&I Lender in the DFW area who wants to work 2-3 days per week? Join The WFA Group as a Field Examiner. Flexible sched-uling; some overnight travel; will train. Contact Tony Frels at afrels@wfagroup.com

Prosperity Bank, a $21B institution headquartered in Houston, is look-ing to expand the Internal Audit de-partment with positions throughout Texas and OK. We have the follow-ing opportunities available: COM-PLIANCE AUDITOR, IT SENIOR AUDITOR, SENIOR and INTERNAL AUDITOR positions (financial/op-erational). Please see prosperity-bankusa.com under Careers for details and locations. AA/EOE/Vet-erans/Disabled employer.

COMMERCIAL LENDER, Corsicana, TX. Growing independent communi-ty bank seeks lender for a new branch location. Prefer five years lending ex-perience, proven management and leadership skills, with commitment to become involved in the community. We offer a competitive salary, bonus, and benefits package. Please send

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resume and salary requirement to bankersdigest@bankersdigest.com, subject line Box A-1.

HAPPY STATE BANK, a $2.5 billion bank in West Texas, is seeking a CRA and FAIR LENDING OFFICER. Successful candidate will have a four-year college business-related degree, a minimum of 2 year’s CRA/Fair Lending Officer/Management experience (preferably at a large bank), with advanced knowledge and understanding of CRA & Fair Lending laws, regulations, regula-tory guidance, and expectations and examination standards. Please complete an application and submit a resume at www.happybank.com.

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WHAT’S KEEPING YOUUP AT NIGHT?

WE CAN HELP YOU SLEEP BETTER!

CYBER CRIMES EMPLOYEE EMBEZZLEMENTROBBERY WIRE TRANSFER FRAUD LAWSUITS

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prices over the Internet, and 33% had

scanned a barcode to find the best

price, while shopping at a retail store.

Forty-two percent of smartphone us-

ers had used their phones to browse

product reviews while in a store. More

than two-thirds of those who had used

their phones to do price comparisons

had changed where they made their

purchase based on that information.

For the first time, the survey looked

at differences in mobile banking and

mobile payment use in rural areas ver-

sus urban areas. Residents of rural ar-

eas have a lower incidence of mobile

banking and mobile payment use than

residents of urban areas.

The Federal Reserve Board com-

pleted its first Survey of Consumers’ Use

of Mobile Financial Services in December

2011, and released a summary report

in March 2012. The board has con-

ducted the survey annually to under-

stand how the rapidly expanding use

of this technology affects consumer

decisionmaking.

The survey was conducted on behalf

of the board by GfK, an online con-

sumer research firm. The 2014 survey

was conducted from December 5-21,

2014. More than 2,900 respondents

completed the survey.

A report and video summarizing the

survey’s mobile financial services find-

ings may be found at: http://www.feder-

alreserve.gov/communitydev/mobile_finance.

htm.

The complete news release can be

found at: http://www.federalreserve.gov/

newsevents/press/other/20150326a.htm Q

FEATURE (continued from Page 3)