Peace and goodwill to all our friends in banking.

May you be richly blessed this holiday season and throughout the New Year.

Page 2 BANKERS DIGEST December 19, 2011

Stephen Panepinto, president/CEO/chairman of the board of Plaquemine

Bank and Trust, Plaquemine, an-nounced the hir-ing of Sonny Gas-con as senior vice president and loan officer and Bobbi Dugas Landry as a loan officer. Gascon is a commercial lender

who previously served with Business First Bank in Baton Rouge as a vice president. He earned a BS degree in accounting from LSU in 1983. He is a CPA, licensed by the State Board of Louisiana CPA’s since 1988. Landry, a native of Plaquemine, has nine years of mortgage lending experi-ence. She recently moved from Hou-ma, where she worked with Assurance Financial Group. She is a member of the Kiwanis Club Q

of The First National Bank of Eldo-rado. He joined First National in 2003 as vice president after serving with the

Texas Department of Banking. He was named senior vice president in 2008 and elected to the board of di-rectors in 2009. Vaughan grew up in Lamesa and Lubbock, and earned a BBA de-gree in 2001 from

Angelo State University. He serves as president of the Lions Club and on the board of directors of the Schleich-er County Wellness Center. He has also served as a sports announcer for KLDE radio that broadcasts the Eldo-rado High School football games Q

p e o p l e TeXAS

Vaughan Upped to EVP, First National Eldorado

Bankers Digest®

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loUISIANA

ARIZoNA

Kuhle Is Commercial Loan Mgr, Arizona B&T

Gascon & Landry Join Plaquemine Bank & Trust

Vaughan Gascon

Mason Vaughan has recently been promoted to executive vice president

Jerry Schwallier, president/CEO of Ari-zona Bank & Trust, Phoenix, has an-nounced Rebecca Kuhle as the new commercial loan portfolio manager at the bank’s Chandler office on North 54th St. She has 13 years of banking experience and will assist commercial relationship managers. She holds a BA degree in finance from Loras College in Dubuque, IA, and was previously a senior credit ana-lyst at Heartland Financial USA Inc. Q

In This Issue...FDIC Board Approves 2012 Operating Budget of $3.581 Billion Feature............................................3

Charter Activity..............................9 Classified.......................................10

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December 19, 2011 BANKERS DIGEST Page 3

F e A T U R e

Source:Federal Deposit Insurance Corporation

www.fdic.gov

R E G U L A T O R

FDIC Operating Budget for 2012 Is Lower than 2011 Operating Budget

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C o n f i r m i n g that the na-tion’s bank-ing industry has seen the peak of recent bank failures,

Martin Gruenberg, acting chairman of the the Federal Deposit Insurance Corporation (FDIC), announced that the FDIC board of directors on Decem-ber 7 approved a $3.281 billion corpo-rate operating budget for 2012, which is 15.4% lower than the 2011 budget. Gruenberg said, “...the FDIC is now positioned to begin reducing budget and staff levels while continuing to fullfill our mission and maintain read-iness to handle remaining bank failure and supervisory challenges.” The 2012 operating budget “reflects our priority to reduce costs where prudent, (and) it also allocates the resources needed to implement new authorities under the Dodd-Frank Wall Street Reform and Consumer Protection Act, primarily the FDIC’s ability to facilitate the orderly resolution of a large, com-plex financial institution,” Gruenberg added. In conjunction with its approval of the 2012 operating budget, the FDIC board also approved an authorized 2012 staffing level of 8,704 employees, down from 9,269 currently authorized (actual on board level of 8,071 through October 31) or a net reduction of 6%, with further reductions projected for 2013 and future years. The 9,269 cur-rently authorized staff level is the highest authorized staff level for the 2008-2012 operating budgets. Over one-third of the FDIC’s total staffing authorized for 2012 will be temporary hires to assist with bank closings; perform follow-on work re-

lated to the management and sale of failed bank assets; and support super-vision of a continued high number of problem banks. The $3.281 billion 2012 operat-ing budget breakdown is as follows: $1.781 billion for ongoing operations and $1.500 billion for receivership funding. Year-to-date bank failures, through December 7, 2011, are 90. Estimates are that just under 100 banks will fail in 2011. There were 157 bank failures in 2010.

At the end of the third quarter of 2011, the number of “problem” institu-tions was 844, according to the FDIC. The FDIC’s 2012 operating bud-get provides for bank failures to con-tinue into 2012 and possibly beyond. Much will depend on the strength of the nation’s economy and real estate market conditions in particular, since commercial real estate loan problems have been the main drivers in recent bank failures, according Trepp’s U. S. Bank Failure Report - November 2011 (www.trepp.com) Q

Page 4 BANKERS DIGEST December 19, 2011

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BBVA Compass announced that new commercial bankers have been added to the North Region team. All based in Dallas, the new executives will pro-vide financial expertise for a variety of areas including investment banking, corporate finance, commercial bank-ing and healthcare financial services. Key Coker, Dallas city president, made the announcement. The new commercial banking ex- ecutives include: Brandon Kelley is senior vice presi-dent, corporate banking. He will focus on the corporate client financial ser-vice needs covering ten states, includ-

ing TX. He has 16 years of financial service experi-ence. He has an u n d e r g r a d u a t e degree from Bay-lor University and an MBA degree from The Univer-sity of Texas in Austin. He is a

chartered financial analyst and Circle Ten Council board member of Boy Scouts of America. Susan Jenull, senior vice president, commercial banking, is responsible

for assisting commercial clients in the Dallas market with their financial ser-

vices needs. Prior to joining BBVA Compass, she served as senior vice president of corporate banking for Frost Bank. She has an undergrad-uate degree from The University of

Texas in Austin, an MBA degree from

SMU, and is a CPA. She serves on the boards of Artreach, Leadership Arts, and Junior League of Dallas. Jeffrey Cook, senior vice presi-dent, commercial banking, will focus on commercial clients with annual revenue of $5 million to $250 million.

He has over 20 years experience in commercial banking, whole-sale banking, and capital markets. An active member of the community, his past board ser-vice includes the

North Texas Foun-

dation for Teaching Entrepreneurship and the St. Alcuin Montessori School. He has two undergraduate degrees and an MBA degree from SMU. Mike Wawczak, senior vice presi-dent, commercial banking, is com-mercial banking manager for BBVA Compass responsible for managing commercial clients focusing on pro-viding financial products, services, and analysis. He has more than 29 years of commercial banking expe-rience serving as division manager, senior credit officer, subsidiary presi-dent, business development officer, equipment finance specialist, banking

operations assis-tant manager, and international spe-cialist. He earned a BA degree from Pontifical College in Columbus, OH, and a master’s de-gree from Capital University, Co-lumbus, OH.

René Kiehn, vice president, com-mercial banking client manager, is responsible for the origination and servicing of commercial banking op-portunities for companies with annual revenues of $10 million to $250 mil-lion. With 15 years of experience in the financial services industry, he is an investment banking professional with expertise in mergers and acquisitions, capital raising, and credit underwrit-ing. He holds a degree in finance from SMU Q

Kelley

Jenull

Cook

Wawczak

BBVA Compass Taps Kelley, Jenull, Cook, Wawczak, and Kiehn in Dallas

Webster and Wolfe Are VPs, IBERIABANK in HoustonIBERIABANK, Lafayette, LA, has re-ported two bankers have joined the bank in Houston. Douglas Webster has joined as vice president and relationship man-ager on the commercial banking team. Rachel Wolfe has joined as vice president and relationship manager in the syndications group Q

www.bankersdigest.com

December 19, 2011 BANKERS DIGEST Page 5

p e o p l e TeXAS NeW MeXICo

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Henry Shweiri and Phillip Hicks have joined Mutual of Omaha Bank as community bank managers in Phoe-nix. Both will oversee all operations, personnel, and business development for two of the bank’s Valley area loca-tions; Shweiri at 7139 East Shea Blvd. in Scottsdale and Hicks at 1450 West Guadalupe Rd. in Gilbert. Shweiri has more than 10 years of banking experience, managing of-fices for several banks in Phoenix and Scottsdale. He is a member and am-bassador for the Scottsdale Chamber of Commerce and a volunteer with United Way, Habitat for Humanity, and the Arthritis Foundation. Hicks has more than 15 years of banking experience as a business re-lationship manager and business loan officer for several banks in Phoenix. He has a bachelor’s degree from Santa Clara University in Santa Clara, CA. He is involved in the community as the fi-nance committee chair for Bourgade Catholic High School and a volunteer with several nonprofit organizations Q

Taylor Leads LegacyTexas Mortgage Services Team

Retired Baton Rouge Banker Norman T. DeGolyer Jr. Dies

Lehocky Is Mortgage Mgr., Century Bank in Duke City

Shweiri and Hicks Named, Mutual of Omaha Bank

LegacyTexas Bank in Plano has an-nounced that 15 high-profile mort-gage loan pro-fessionals from across North TX have come aboard within the past six months. The mortgage services group at Legacy-Texas is headed by Gerry Taylor, a long-time home loan professional. Taylor, who has served in mortgage lending for almost 30 years, joined LegacyTexas earlier this year. Carroll Dyer settled in as regional manager, while Becky Walters took the reins of marketing and sales and Pamela Austin was named opera-tions manager. Taylor said, “It is our intention to have 30 mortgage lenders on board by the end of 2012.” LegacyTexas Bank has served the North TX mortgage market 25 years Q

Taylor

Century Bank in Santa Fe has reported the hiring of Kathleen Lehocky as mortgage manager on the mortgage loan team in Albuquerque. She serves at the 8220 San Pedro Dr. office. Lehocky has more than 14 years of experience in the mortgage indus-try, specializing in wholesale and re-tail lending. She previously served as branch manager for wholesale lender Stearns Lending in Albuquerque Q

Retired Capital Bank & Trust, Baton Rouge, banker Norman Talmadge DeGolyer Jr. died on December 5 at age 85. He served in banking for 32 years and retired from Capital Bank in the 1980s, holding the position of vice president and marketing director. He was a WWII veteran and a graduate of American University in Washington, D.C. Q

Page 6 BANKERS DIGEST December 19, 2011

p e o p l e ReGUlAToRS

N e W S W A T C H

oKlAHoMACrowell and Biffle Are AVPs, Quail Creek Bank in Ok City

FDIC Board Names Quick Manager, Risk Management

Gibson Appointed Director, Fed’s Division of Supervision

Bank of Albuquerque Top Mortgage Lender for 2010

The board of directors of the FDIC on December 8 approved the organiza-tional plan of the Office of Corporate Risk Management (OCRM) and named Stephen A. Quick manager. Quick was appointed as the FDIC’s first chief risk officer in July 2011. Acting FDIC Chairman Martin Gru-enbery said, “...by creating a central risk office, the FDIC is adopting a current best practice in the financial industry...while incorporating key les-sons from both the public and private sector into the FDIC’s approach to risk management.” When fully staffed, the OCRM, which reports directly to the FDIC Board, will have a core of 15 employees Q

Bank of Albuquerque, N. A., Albquer-que, took the top in-state spot with $380.8 million in total mortgage loans for 2010, according to Home Mortgage Disclosure Act (HMDA) data. The top four mortgage lenders for 2010, according to an article by Mark Fogarty in the New Mexico Business Week-ly, include: No. 2 Suburban Mortgage of Albuquerque with $323.8 million, No. 3 Los Alamos National Bank with $290.6 million, and No. 4 Vectra Bank, N. A., Farmington, with $240.4 million. The top three lenders also were ranked in the same order for NM-based lenders for minority mortgages in 2010. The ranking includes only those institutions based in NM and does not include out-of-state based institu-tions which also make large numbers of mortgage loans in NM Q

The Federal Reserve Board recently an-nounced the appointment of Michael S. Gibson as director of the Division of Banking Supervision and Regula-tion, effective January 1, 2012. Gibson, a deputy director in the Di-vision of Research and Statistics with expertise in risk management and fi-nancial markets, succeeds Patrick M. Parkinson, who is retiring after more than 30 years of service at the Fed. Gibson is an economist who began his Fed career in 1992 in the banking section of the Division of International Finance. He moved to the Division of Research and Statistics in 1999, was named chief of the trading risk section in 2000, and was promoted to deputy director earlier in 2011. During past several years, he has coordinated the Fed’s support for the board’s participa-tion on the Financial Stability Board. He holds a Ph.D. from MIT and a BA degree in economics from Stan-ford University Q

Quail Creek Bank, n.a., Oklahoma City, has announced the promotion of two officers to the assistant vice president level, according to Bert Olah Jr., presi-dent/CEO. Julie Crowell has been promoted in human resources. She has served with the bank for the past 12 years in several operational areas, including teller, customer service, new accounts and for the last five years in human re-sources. She is a graduate of Univer-sity of Central Oklahoma with a degree in business administration, majoring in human resource management. She is currently studying for the SPHR Cer-tification. Lacey Biffle has also been promot-ed in marketing. She has served with the bank since 1999 and 16 years in the financial industry. She holds a de-gree in business from the University of Central Oklahoma. She is a graduate of the ABA School of Bank Marketing

and Management. She serves on the board of the Community Bankers As-sociation of Oklahoma Horizon Bank-ers and has served as president of the Village Lions Club for two years Q

NeW MeXICo

December 19, 2011 BANKERS DIGEST Page 7

N e W S W A T C H TeXAS

Rockwall Bancshares Files Application with Dallas Fed

First Financial Bank, N. A., Abilene, held a ground breaking on December 12 for the bank’s newest office being built at 1801 Antilley Rd. in Abilene. The new location in South Abilene will be a 5,530-square-foot facility with five drive-thru lanes and a depos-it-taking ATM. A mid-2012 opening is anticipated, subject to regulatory ap-proval. Ron Butler, president/CEO, said the new state-of-the-art bank building is designed to accommodate growth in south Abilene. The new location is across the street (south side) from the Abilene Regional Medical Center and west of the intersection of Antilley Rd. and Hwys. 83/84. First Financial Bank has eight full-service locations in Abilene, as well as locations in Clyde, Albany, Moran, and Odessa. The bank is a member of First Financial Bankshares Inc., a financial holding company that op-erates 11 separately chartered banks with 52 locations in TX Q

Prosperity Bancshares to Acquire Firstbank in Tyler

First Financial Bank Abilene Breaks Ground in S. Abilene

Frost Insurance to Acquire Houston HR Consulting Firm

Kevin Fowler, co-founder and presi-dent of Rockwall Bancshares Inc., announced on December 9 that the company has applied to the Federal Reserve Board for permission to form a bank holding company. If approved by the Fed, as a first step, the company intends to purchase the First National Bank of Chillicothe, based in Chilli-cothe, for an undisclosed amount. First National Bank of Chillicothe has approximately $46 million in as-sets and two locations, one each in Chillicothe and Quanah. The company also intends to open a new branch in Rockwall, under the Victory Bank brand. After closing the transaction, the com-pany will be based in Rockwall Q

Prosperity Bancshares Inc., Houston, announced on December 9 the sign-ing of a definitive agreement to ac-quire East Texas Financial Services Inc. and its wholly-owned subsidiary, First Federal Bank Texas (“Firstbank”). East Texas Financial Services op-erates four (4) banking offices in the Tyler MSA, including three in Tyler and one in Gilmer. As of September 30, 2011, East Texas Financial Services re-ported total assets of $210.6 million, total loans of $161.2 million, and total deposits of $121.2 million. Under the terms of the definitive agreement, Prosperity will issue shares of its common stock for all out-standing shares of East Texas Finan-cial Services capital stock, subject to certain conditions and potential ad-justments. This represents a valuation of $20.4M, or 1.0x BV, 1.12x tangible BV, and a 2.5% deposit premium. Following the merger, Prosperity will have 23 banking centers across East Texas. The merger has been approved by the boards of directors of both com-panies and is expected to close during the first half of 2012 and is subject to customary regulatory approvals. Op-erational integration is anticipated to begin during the second quarter of 2012 Q

Frost Insurance, a subsidiary of Cul-len/Frost Bankers Inc., San Antonio, announced on December 12 it will ac-quire Stone Partners Inc., a human re-source consulting firm that specializes in compensation, benefits, and out-sourcing services, based in Houston. The acquisition is expected to be effective on January 1, 2012. Stone Partners will operate as a division of Frost Insurance. Bruce Burdett, president of Frost Insurance, said, “with reform changing the way companies look at health care purchasing, acquiring Stone Partners gives us the ability to provide a full complement of HR consulting and ad-visory services under the Frost brand.” Stone Partners, originally estab-lished as J.E. Stone & Associates in 1987 and founded in 2000, has 25 em-ployees and operates offices in Hous-ton, Dallas, and Austin. Jim Stone serves as managing director of Stone Partners Q

Page 8 BANKERS DIGEST December 19, 2011

N e W S W A T C H TeXAS

ViewPoint Financial Group to Acquire Highland Bancshares, Hanigan to Become President/CEOViewPoint Financial Group Inc. (“View-Point”), Plano, and Highlands Banc-shares Inc. (“Highlands”), Dallas, an-nounced on December 8 that they have entered into a definitive merger agreement whereby ViewPoint will acquire Highlands and its subsid-iary bank, the First National Bank of Jacksboro, (which operates in the Dal-las marketplace as Highlands Bank), in a stock-for-stock transaction. This strategic acquisition increases View-Point’s footprint in the Dallas market-place while maintaining ViewPoint’s strong capital position. Under the terms of the agreement, each outstanding share of Highlands common stock will be exchanged for 0.6636 shares of ViewPoint stock upon closing. Based upon ViewPoint’s clos-ing common stock price on December 7, 2011, of $12.88, the transaction has an aggregate implied value of approx-imately $71.0 million, in ViewPoint common shares. The deal has a 1.18x price/tangible BV and approximately a 3.58% core deposit premium. In addition, ViewPoint announced that Kevin Hanigan, president/CEO and chairman of the board of direc-tors of Highlands Bancshares Inc., will assume the role of president/CEO of ViewPoint Financial Group Inc. and ViewPoint Bank upon the closing of the acquisition. Upon completion of the merger, 30-plus-year corporate and retail banker Hanigan and one Highlands director will join the View-Point board of directors.

Gary Base, ViewPoint’s president/CEO, is retiring as previously reported. Highlands, a privately owned com-mercial bank headquartered in the Preston Center area of Dallas, has ap-proximately $508 million in assets, $296 million in loans, $381 million in deposits, and six banking locations in North TX, including four in Dallas, and one each in Jacksboro and Run-away Bay. The combined organization will have 31 banking offices serving individuals and businesses within the Dallas/Fort Worth Metroplex and North TX, and at closing will have ap-proximately $3.5 billion in assets, in-cluding $2.0 billion in loans, and $2.4 billion in deposits. ViewPoint and Highlands expect to complete the transaction in early 2012, after receipt of regulatory ap-provals, the approval of the share-holders of Highlands Bancshares, Inc. and the satisfaction of other custom-ary closing conditions. Additionally, ViewPoint announced that its wholly-owned subsidiary, ViewPoint Bank, has met the require-ments of the OCC for approval to con-vert from a federal thrift charter to a national banking association charter. ViewPoint has also received approval from the Federal Reserve Board to convert from a thrift holding company to a national bank holding company. The boards of the holding company and bank both have approved their respective charter changes to be effec-tive on December 19, 2011 Q

loUISIANA

Town North Bank in Dallas Sues for Losses on SecuritiesTown North Bank, N. A., Dallas, filed a lawsuit in November in federal district court in Dallas that claims that five in-vestment banking defendants misled the $716 million-asset bank about the risk of acquiring a combined $198 mil-lion worth of securities backed by res-idential mortgages and credit default swaps, according to an article by Jeff Bounds in the Dallas Business Journal. The lawsuit claims that Town North's investment in the toxic secu-rities has had a "material" impact on the bank's earnings. According to the article, between 2008 and the quarter ending September 30, 2011, the bank had total realized losses on securities of $123 million. The article quoted Dorey Wiley, president/CEO of Com-merce Street Capital, a Dallas invest-ment bank that specializes in financial institutions. Wiley cited the bank fil-ings with the FDIC. The bank owned $189 million worth of securities backed by residential mortgages as of September 30, 2011, and posted a $8.3 million loss through the first nine months of 2011, accord-ing to the article Q

State Investors Bancorp, Metairie, Added to IndexThe American Bankers Association (www.aba.com) has added nine banks to the ABA NASDAQ Community Bank Index (ABAQ), effective December 1, including State Investors Bancorp Inc. in Metairie. The index includes more than 420 community banks with a mar-ket capitalization of over $116 billion. The ABAQ includes all banks and savings associations or their holding companies listed on the NASDAQ, with the exception of any of the 50 largest bank and thrift charters based on asset size, banks classified as hav-ing an “international specialization” and banks classified as having a “cred-it card specialization.” State Investors Bancorp Inc. is the parent of $284 million-asset State-In-vestors Bank Q

December 19, 2011 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 yArizonaBRANCHES The OFFICE OF THE COMP-TROLLER OF THE CURRENCY has received an application by National Bank of Arizona, Tucson, for a branch at 481 S. Hwy. 89, Chino Valley.ArkansasBRANCHES The FEDERAL RESERVE BANK OF ST. LOUIS has filed an application by Liberty Bank of Arkansas, Jonesboro, for a branch at 1400 E. Joyce Blvd., Fayetteville. The ARSBD has filed an application for this branch, which is to be relocated from 4706 S. Thompson St., Springdale. The AR STATE BANKING DE-PARTMENT has issued a letter of pre-liminary approval for an application by Centennial Bank, Conway, to relo-cate a branch from 100 S. Saint James St. to 1715 E. Harding St., Morrilton. The ARSBD has issued a letter of preliminary approval for an applica-tion by First Security Bank, Searcy, to relocate a branch from 511 Searcy St. to 502 Main St., Pangburn. The ARSBD approved an application for the P&A of the Pangburn branch owned by First Arkansas Bank & Trust, Jacksonville.MAIN OFFICE RELOCATION The ARSBD has filed an applica-tion by Heber Springs State Bank, Heber Springs, to relocate its main office from 2nd and Main Sts., Heber Springs, to 650 S. Shackleford, Ste. 150, Little Rock. The ARSBD has filed related applications for the merger of Heber Springs State Bank with Eagle Bank & Trust Company, Little Rock, and for a change in the bank name to Eagle Bank & Trust Company.New MexicoBRANCHES The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has ap-proved an application by Vectra Bank Colorado, N. A., Farmington, for a branch at 835 Main Ave., Durango, CO.OklahomaBRANCHES The OCC has received an appli-

cation by The Pauls Valley National Bank, Elmore City, to relocate a branch from 207 E. Lindsey to 103 S. Main St.TexasBRANCHES The OCC has approved an applica-tion by Bank Texas, N. A., Quitman, for a branch at 1121 Judson Rd., Ste 140, Longview. The OCC has approved an appli-cation by First National Bank of Fort Stockton, Fort Stockton, for a branch at 11840 I-35, Jarrell. The OCC has approved applica-

tions by Woodforest National Bank, The Woodlands, for branches: 11701 Plano Rd., Dallas; south side of SH 105, Con-roe; NEC of the intersection of Kuykend-ahl Rd., Spring; and NEC of the intersec-tion of Sawdust Rd., The Woodlands. The OCC has received an applica-tion by Hometown Bank, N. A., Galves-ton, for a branch at Pearland Pkwy. at Province Village Dr., Pearland. The TEXAS DEPARTMENT OF BANK-ING has received an application by Alle-giance Bank Texas, Houston, for a branch at 6363 Woodway, Ste. 100, Houston Q

Page 10 BANKERS DIGEST December 19, 2011

B a n k e r s D i g e s tHOW TO CONTACT US

Mail responses to Box Number c/o Bankers Digest, P. O. Box 743006, Dal-las, TX 75374-3006. Fax: 214/221-4546. Phone: 214/221-4544. email: bankersdigest@bankersdigest.com

Advertising rates are $45.00 for the first 30 words; $10.00 for each additional 10 words per insertion. Ads which use a Bankers Di-gest box number for forwarding responses will be charged $5.00 additional per inser-tion for postage and handling. Ads run on Bankers Digest website for the duration of the advertising agreement at no additional charge. Only Principals will be assigned box numbers. Responses to Bankers Digest boxes are forwarded twice weekly. Advertis-ing deadline is Monday noon for following Monday’s publication. Bankers Digest makes no representations or warranties for infor-mation, products, or services contained in any advertisement herein or on our website.

C l A S S I F I e D

POSITION WANTED

Banker seeks bank that would like to establish branch in Plano. Solid loan portfolio and deposit base to move. If interested, send an email to PlanoBanker@gmail.com

Tried and proven credit officer with 35 years experience in Dallas banks, mostly in the capacities of a bank’s number 1 workout specialist, loan review officer, and chief credit officer, including the credit policies and changing the credit culture. Top references attesting to my success. Excellent reputation with examin-ers. Just completed assignment: reviewing a bank’s loan portfolio that is operating subject to a severe regulatory order to make whatever changes are required so the loans will be risk graded correctly at an upcoming exam. Result: there were less than $90,000 in downgrades in a tough loan portfolio of about $70 million. If interested or just curious, please contact Myron T. Butler at myrontbutler@gmail.com.

POSITIONS AVAILABLE

CREDIT/LOAN REVIEW OFFICER needed for Dallas bank. Must have 10+ years experience. Good op-portunity. Sharon Emiliano, Babich & Associates, Sharon@babich.com, 214/823-9999, #306.

CHIEF COMPLIANCE OFFICER needed for non traditional bank in heavy growth mode. $100k range. Dallas metro. Needs to be very ex-perienced. Charles Gallamore, Bab-ich & Associates, charlie@babich.com, 214/823-9999, #304.

MANAGER/REAL ESTATE LENDER for new bank branch east of San Antonio. Person needs knowledge of branch operations and people management skills. Donald Graff, Babich & Associates, dgraff@babi-ch.com 214-823-9999, #325.

KILLEEN AREA: Commercial lender needed to manage lending staff and produce. History of develop-ing local-area portfolio required. Mark Mitchell, Lone Star Search, 972.335.9009, www.lonestarsearch.net.

SAN ANTONIO - area community bank seeks SEASONED LENDING AND RELATIONSHIP MANAGING EXECUTIVE with generalist lending skills and ability to manage one or more branches. Knowledge of agri-cultural credits helpful, but not es-sential. Business development and administrative skills and the desire to be part of the community and se-nior management team will be im-portant. Send resume in confidence to bankersdigest@bankersdigest.com, subject line Box J-7.

COMPLIANCE OFFICER NEEDED. Upscale community bank in Tucson, Arizona, seeks a full time Compli-ance Officer to handle all facets of compliance including audits, reporting, training, policy/proce-dure management and serving as a liaison with regulators. Minimum 5 years experience, looking for strength in policy/procedure devel-opment. Contact Amy Davidson at amy.davidson@bankoftucson.com.

CFO needed for bank in Snyder, TX, must possess strong experience. Call or send resume to James Horton President, (325) 573-9305, jamesh@texassavingsbank.com.

BANK CREDIT ANALYST Little Rock, AR. Qualifications: Bachelor’s degree in business, finance or ac-counting. Minimum of 3 years prior experience with credit analysis for commercial and industrial lending,

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December 19, 2011 BANKERS DIGEST Page 11

trepreneurial executive leader to join the organization as President. The qualified candidate will pos-sess 20 plus years of broad based experience in commercial and com-munity banking and will have a re-cord of success in designing and implementing strategies to ensure the asset quality, growth, and profit-ability of a franchise. This position requires strong academic creden-tials with a post-graduate degree and formal credit training. Individu-als who wish to be considered for this rare opportunity should submit a letter of interest and resume to: bankersdigest@bankerdigest.com, Subject Line Box D-4.

$400M independent community bank in East Texas has an opening for a COMPLIANCE OFFICER. Must have compliance experience. Send resume in confidence to bankersdigest@bankersdigest.com, Subject line Box D-5.

Well established independent Cen-tral Texas community bank seeks seasoned BANK PRESIDENT AND CEO with confirmed management and lending skills and ability to man-age one or more branches; ability to guide managment team will be im-portant. Business development and administrative skills and the desire to be part of the community are a necessity. Send resume in confi-dence to bankersdigest@bankers digest.com, Subject line Box D-6.

preferably including oil and gas.Email resume to: jobs@hbankusa.com or mail to: Heartland Bank, Attn: Human Resources, One Infor-mation Way, Suite 105, Little Rock, AR 72202. EOE.

COMPLIANCE/BSA OFFICER need-ed for a community bank in Den-ton. Experienced required. Email skozak@accessbanktx.com.

CHIEF RISK OFFICER needed for multi-branch community bank in Dallas metro area. Must have com-mercial loan experience. MBA pre-ferred and/or 10 years of senior compliance and risk management experience in the financial services industry. Certified Risk Professional or CRCMP required. EOE Please re-spond to bankersdigest@bankerdi-gest.com, Subject Line Box D-2.

AUDIT MANAGER needed for multi-branch community bank in Dallas metro area. Must have commercial loan experience. At least 8 years experience in auditing and 4 years of supervisory and project manage-ment experience in the banking and financial services industry. Profes-sional Certification as CIA, CFSA, CFE, CPA or other related certifica-tion required. EOE. Please respond to bankersdigest@bankerdigest.com, Subject Line Box D-3.

BANK PRESIDENT: Texas Bank with a billion dollar plus asset base has an opportunity for a polished en-

Community bank in north central Texas seeks PRESIDENT/CEO. Suc-cessful candidate must have 20 plus years experience in commercial lending production management. Send resume with salary require-ments to bankersdigest@bankers digest.com, subject line Box D-1.

C l A S S I F I e D

Page 12 BANKERS DIGEST December 19, 2011

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Bankers DigestP.O. Box 743006Dallas, Texas 75374-3006(USPS 041180)

PERIODICAL

Coastal Bend Independent small community bank seeking PRESI-DENT. Candidate should be well experienced in all phases of bank-ing. Email resume to afehner@fnb woodsboro.com.

INTERNAL AUDITOR: Corpus Christi, TX. Responsible for conducting all internal control audits with accuracy to safeguard bank assets and ensure compliance while mitigating risk. Five years of related auditing experience required. Email resume to jharris@fcbot.com or fax 361/888-3796. EOE.

COMPLIANCE OFFICER: Corpus Christi, TX. Responsible for devel-oping, implementing, and admin-istering all aspects of the bank’s compliance management program. Must be familiar with all applicable Texas and federal banking regula-tions. Five years of related compli-ance experience required. Email resume to jharris@fcbot.com or fax 361/888-3796. EOE.

Independent community bank in central Louisiana will need CFO/IN-VESTMENT OFFICER in first quarter

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