August 8, 2016 Northstar Bank ...SBA director. In this role, he will oversee all aspects of First...

Northstar Bank’s Tarrant County Re-gional President Glenn Monroe an-

nounced the e x p a n s i o n of the bank’s c o m m e r c i a l lending pres-ence in Fort Worth, TX, with the addi-tion of Barry Kromann and Jim Vineyard. Kromann

joins as execu-tive vice president and senior com-mercial banker, bringing almost 30 years of banking and financial expe-rience. He formerly served as an ex-ecutive vice president at Texas Capital Bank, N. A., and earlier as a vice presi-dent at Bank One, Texas. Kromann is an active member in the Fort Worth community, participat-ing on multiple boards, including the

Parenting Center, Clear Fork Royalty, Leadership Fort Worth, and Down-

town Fort Worth Inc. Vineyard joins as senior vice president for commer-cial banking. He brings over 10 years of banking ex-perience with Capital One and Plains

Capital Bank, with a focus on middle market and businesses with revenues of $25 million and up. Both Kromann and Vineyard serve at the Northstar Bank location at 1300 S. University Dr., Ste. 100, in Fort Worth. Northstar Bank is a $ 1.67 billion-asset community bank headquartered in Denton, TX Q

First United Bank and Trust Company, Durant, OK, welcomes David Green

as senior vice president and SBA director. In this role, he will oversee all aspects of First United’s SBA Preferred Partner Lender Program that covers OK and TX. He will be based out of

the First United office in Denton, TX. Scott Flowers, executive vice presi-dent at First United, said, “Green brings vast experience in handling loans of all sizes and complexity. He is also highly regarded in the SBA community and is an excellent fit for our SBA Preferred Partner Lender Program.” Green joins First United with more than 30 years of banking experience, including SBA lending. Prior to First United, he served as executive vice president in SBA loan production for American Business Lending. Before that, he served as executive vice presi-dent for Irving-TX based Independent Bank of Texas. Green’s educationincludes a bach-elor’s degree in finance from Texas Tech University. He is a long time membership on the board for the Na-tional Association of Guaranteed Gov-ernment Lending (NAGGL) Q

Randal “Randy” Scott, president/COO of Farmers Bank and Trust Company in

Blytheville, was re-cently appointed to the six-member Arkansas State Bank Department-Board. His term runs through De-cember 31, 2020. A 26-year veteran of banking, Scott has served the last 16

years at Farmers Bank. Scott was raised near Horners-ville, MO, and graduated from South-

Volume 148, No. 6August 8, 2016 www.bankersdigest.com

Northstar Bank, Denton, Texas, Taps Kromann EVP, Vineyard SVP in Fort Worth

Scott

Green to Lead SBA, First United Bank

GreenKromann

Regulated Institutions to Submit Self-Assessments of DiversityFeature..............................................3

In This Issue...

Published weekly on Mondays except fifth Mondays

Vineyard

Blytheville’s Scott Joins AR Bank Boardeast Missouri State University in Cape Girardeau, majoring in finance with a minor in accounting. After college, he went through the management train-ing program at Mercantile Bank of St. Louis and returned to the Missouri Bootheel where he worked at several banks in Sikeston prior to joining Farmers Bank. He is a member of the Arkansas Bankers Association board of directors and serves on the board of trustees for the Arkansas North-eastern College in Blytheville. Farmers Bank and Trust Company, established in 1908, is a $485 million-asset community bank Q

BANKERS DIGEST August 8, 2016

Todd Maclin, CEO of JPMorgan Chase’s consumer & business bank-

ing segment, has announced his retirement at the end of 2016, ac-cording to an ar-ticle by Dalton Laferney, staff writer for The Dallas Morning News. Maclin is a 37-year veteran of

Chase and its TX predecessor banks. He is a member of Chase’s executive and operating committees. He has di-vided his time between TX and NY for the last 15 years. His Chase career has included a variety of leadership posi-tions in commercial and investment banking, including regional executive for TX and the Southwest US, and global executive for energy invest-ment banking. He serves the banking industry as a director for the Amerian Bankers As-sociation and on The Financial Ser-vices Roundtable in Washington, DC. He has been an active member of boards and committees: Greater Dal-las Chamber of Commerce, Export-Import Bank of the United States, Pri-

Jeffrey Brouillard was recently pro-moted to market manager for the San

Antonio middle market banking group of Wells Fargo Bank. He will lead the mid-dle market com-mercial banking department’s mar-keting efforts and daily operations. Brouillard, a se-

nior vice president, previously served as senior relationship manager for nine years. He began his career at Wells as a financial analysr. Brouillard is a graduate of Vander-bilt University Q

P E O P L E TEXAS

Rand and Ash Are SVPs, Farmers State Groesbeck

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Maclin

Two veteran bankers at Farmers State Bank in Groesbeck have recently been promoted to executive officers. Mary C. Rand and Dalyn Ash have been named senior vice president at the Groesbeck location, according to Tom Hawkins posted at groesbeckjournal.com. Rand began her career at Farmers State in 1980 in the new accounts de-partment. She was promoted to assis-tant vice president and loan processor in 1983, loan officer in 1984, and vice president in 1990. She is a 1979 gradu-ate of Texas A&M University with a BS degree in agricultural economics. Ash serves in risk management as BSA and compliance officer. She previously held the title of vice presi-dent. She joined the bank in 2006 as a compliance assistant and loan admin-istrator. Prior to joining Farmers State, she served at Wells Fargo Bank. She earned both bachelor’s and master’s degrees from Baylor University Q

In This Issue...Regulated Institutions to Submit Self-Assessments of Diversity Feature..............................................3

Newswatch/M&A Activity........6,8

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

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

Brouillard

Chase Exec Maclin To Retire at Year End

Brouillard Named Mkt Manager, San Antonio

vate Export Funding Corporation, and a member of the Young Presidents/World Presidents Organization. Maclin holds a BBA degree from The University of Texas at Austin and an MBA degree from the University of Houston Q

August 8, 2016 BANKERS DIGEST

F E A T U R E

B D

FEATURE

Source:Office of the Comptroller of the Currency

www.occ.gov

D I V E R S I T YRegulated Institutions to Submit Self-Assessments of Diversity Policies and

Practices

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The fed-eral bank-ing agencies (Board of G o v e r n o r s of the Fed-eral Reserve

System, Federal Deposit Insurance Corporation, and Office of the Comp-troller of the Currency) on August 2 provided information on how the fi-nancial institutions they regulate may begin to submit self-assessments of their diversity policies and practices as of year-end 2015, and issued Fre-quently Asked Questions (FAQs) in pdf format about the process. According to NR 2016-91 on the OCC’s website, financial institutions are strongly encouraged to disclose on their websites their diversity poli-cies and practices, as well as informa-tion related to their self-assessments, to maximize transparency, and to provide their policies, practices, and self-assessment information to their primary federal financial regulator. Additional information, with detailed submission instructions, will be pro-vided at a later date directly to the in-stitutions. Section 342 of the Dodd-Frank Wall Street Reform and Consumer Protection Act signed into law by President Obama in July 2010 required the federal fi-nancial regulatory agencies to estab-lish an Office of Minority and Women Inclusion (OMWI) and instructed the OMWI director at each agency to de-velop standards for assessing the di-versity policies and practices of its regulated institutions. The standards, which became ef-fective on June 10, 2015, reflect input received during a public comment pe-riod, as well as information gathered during outreach sessions. The stan-

dards provide a framework for regulat-ed institutions to assess and establish or strengthen their diversity policies and practices. The standards are intended to pro-mote transparency and awareness of diversity policies and practices within the institutions. On July 13, 2016, the agencies announced that the Office of Management and Budget had ap-proved the collection of the voluntary self-assessment information. The in-formation may be used by the agen-cies to monitor diversity and inclusion

trends and identify lending policies and practices in the financial services industry. A list of 14 Frequently Asked Ques-tions and Answers/Standards for As-sessing the Diversity Policies and Practices of Entities Regulated by the Agencies is attached to the press release and also is available on the websites of the Federal Reserve Board (www.federalreserve.gov) and the Federal Deposit Insurance Corporation (www.fdic.gov) Q


McClain Bank, Purcell, recently pro-moted Eric Vickers to senior vice president and chief operating officer. Vickers began his service at McClain Bank in 2002. He was promoted to Noble branch operations manager in 2007. He relocated to the main office in Purcell in 2010 to serve as finan-cial and special projects officer. Since 2014, he has served as vice president and financial officer and cashier. Vickers holds an undergraduate de-gree from the University of Oklahoma and an MBA degree from a university in Sweden. McClain Bank has also reported the naming of SVP Kelly Nemecek as branch manager for the office at 2900 W. Lindsey St. in Norman. Nemecek joined McClain Bank in 1996 as a loan officer. He serves on the bank’s board of directors. He holds an undergraduate degree from the Uni-versity of Oklahoma and an MBA de-gree from Oklahoma City University. He is also a graduate of the Okla-homa Bankers Association’s Leader-ship and Management Development Program Q

Quail Creek Bank, n. a., Oklahoma City, welcomes Summer Blades as the

newest member of the audit and compliance team. The announce-ment was made by bank president/CEO Doug Fuller. Blades has actu-ally rejoined Quail Creek Bank as as-sistant vice presi-

dent. She formerly worked at Quail Creek for three years early in her ca-reer. As a result of a family move to FL, she served as the auditor for a CPA firm and then became the internal audit supervisor with a bank in Jack-sonville, FL. Later moving to Dallas, TX, she became the senior internal auditor for North Dallas Bank & Trust Company. She recently returned to the Oklahoma City area. Blades is a graduate of the Uni-versity of Central Oklahoma with a BS degree in accounting. She holds an internal auditor certification and is a member of the Institute of Internal Auditors Q

WestStar Bank, El Paso, has an-nounced the addition of Yolanda Gar-

cia as first senior vice president and chief customer service officer. In her new role, she is responsible for overseeing retail banking functions and directing cus-tomer experience. L. Frederick (Rick)

Francis, WestStar Bank chairman/ CEO, and David Osborn, president/ COO, made the announcement. Garcia has 30 years of leadership ex-perience in retail banking and custom-er service. Most recently, she was re-sponsible for 38 national bank branch offices in El Paso and Southern NM. She received a BBA degree in ac-counting at The University of Texas at El Paso. An active member of many civic and community groups, she cur-rently serves on the governing board for the Greater El Paso Chamber of Commerce and has served on the boards for the Better Business Bu-reau, Family Service of El Paso, and others Q

P E O P L E TEXAS

Garcia Blades

OKLAHOMA

Garcia Joins WestStar El Paso as First SVP

Blades Rejoins Quail Creek Bank Oklahoma City in Audit

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Vickers and Nemecek Promoted, McClain Bank

Ben V. Paul has been hired by Arvest Bank as senior vice president and mortgage lending manager. He will serve out of the Arvest location at 4301 W. Memorial Rd. in Oklahoma City. He is a graduate of the University of Central Oklahoma with a degree in business management and finance. Tim Mills has joined as regional in-vestment officer. He serves out of the Arvest office at 9350 S. Western Ave. in Oklahoma City. He previously served at JPMorgan Chase, Morgan Stanley, and Farmers Insurance Financial So-lutions Q

Paul and Mills Join Arvest Bank in Oklahoma City

www.bankersdigest.com


MidSouth Bank, N. A., Lafayette, has promoted Regional Marketing Manag-

er Ceci Thomassie to first vice presi-dent and marketing director. She is now responsible for the overall develop-ment and supervi-sion of the bank’s strategic planning initiatives through-out its LA-TX fran-

chise, directing public relations, adver-tising, social media, market research, and database marketing. For the past seven years, she served as regional marketing manager/busi-ness communications manager. Be-fore joining MidSouth, she was brand marketing manager and regional mar-keting manager for Capital One Bank in LA and South TX. Thomassie earned a bachelor’s de-gree in mass communication with a minor in business from LSU Q

P E O P L E MISSISSIPPI

LOUISIANA

Trustmark Corporation and its sub-sidiary, Trustmark National Bank,

both of Jackson, have announced that R. Michael Summerford has been elected to succeed Daniel A. Grafton as chairman of the board of directors of Trustmark ef-fective January 1,

2017. Grafton plans to retire from Trust-mark’s boards of directors at the 2017 annual shareholders’ meeting. Graf-ton, who retired in 2007 as president of L-3 Communications Vertex Aero-space, a leading aviation and aero-space services provider, has been af-filiated with Trustmark since 2006 and has served as its chairman since 2011.

Summerford

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Summerford has been a member of Trustmark’s board of directors since 2005. Prior to his retirement in 2002, he was president/COO of ChemFirst Inc., a publicly-traded manufacturer of electronic and specialty chemicals, which was sold to DuPont in 2002. Previously, he had served as CFO of ChemFirst as well as controller of the cotton division of Cook Industries

Inc., an agricultural commodity mer-chandiser. Summerford also served as senior auditor with Peat, Marwick, Mitchell & Co./KPMG. As an independent director, Sum-merford is currently serving as chair-man of Trustmark’s audit and finance committee and is also a member of the executive, human resources, and nominating committees Q

Summerford to Succeed Grafton as Trustmark Board Chairman

Thomassie Is Marketing Director at MidSouth Bank

Thomassie


co-chairman of the combined holding company and chairman of the bank.

William D. Sanders, cur-rent chairman of SGB, will serve as co-chairman of the holding com-pany. William P. (Pablo) Sanders, current chairman of First National Bank of Santa Fe

and Capital Bank, will serve as COO of the holding company with respon-sibility for the mortgage and wealth management businesses and interim president of the bank. The board of directors of the combined holding company will have 10 members, com-prised of an equal number of appoint-ments from Sunflower and SGB. Sunflower Financial Inc. is a bank holding company with $1.8 billion in total assets, $1.4 billion in deposits, and $197 million of equity capital as of June 30, 2016. Strategic Growth Bancorp Inc. is a bank holding company with $2.2 billion in total assets, $1.7 billion in deposits, and $283 million of equity

El Paso-based Strategic Growth Ban-corp (SGB) Inc. and Salina, KS-based

Sunflower Finan-cial Inc. have an-nounced a defini-tive agreement to merge the holding companies and their respective banking entities, Sunflower Bank, Salina, KS; First National Bank

of Santa Fe, NM; and Capital Bank, SSB, El Paso; as well as Dallas-based Guardian Mortgage Company. The combined company will have approximately $4 billion in banking assets and will create a super-commu-nity bank with a footprint exceeding 60 offices in CO, KS, MO, NM, and TX. The corporate headquarters for the combined company will be in Denver with substantial office functions re-maining in Salina, KS, and NM, and TX locations. Mollie Hale Carter, current chair-man/CEO of Sunflower, will serve as CEO and president of the combined holding company and CEO of the bank. Additionally, she will serve as

N E W S W A T C H TEXAS

Wellington State Bank to Merge with FNB in Dalhart

Carter Pablo Sanders

Strategic Growth Bancorp and Sunflower Financial Announce Merger of Equals to Form $4 Billion Banking Co

Wellington State Bank, Wellington, announced it has filed an application with the Texas Department of Banking for a merger with First National Bank in Dalhart. An application has also been filed with the Federal Reserve Bank of Dallas for a merger of the two banks’ holding companies. The acqui-sition was approved by the boards of directors of both banks and is pending regulatory approval, with an expected closing date in late October 2016. Wellington President/CEO Richard Sims said this transaction would be the sixth of its kind since a group of shareholders bought the bank from Independent Bank Shares Inc. of Abilene in 1990. Sims has served as president since 1996. He said, “This will take us to about $46 million in capital and $415 to $420 million in assets.” Sims said one of the reasons the merger makes sense is diversification. Dalhart practices “a different form of agriculture than any of the areas we currently serve. It’s dividing the risk up a little better.” According to the information in the public notices regarding the applica-tion, First National Bank in Dalhart will continue as a branch office of Wellington State Bank, its 10th loca-tion across northwest TX and the TX Panhandle.. Scot A. Renick serves as CEO of FNB and Philip B. Davis as president. First National Bank in Dalhart, founded in 1934, reported as of March 31, 2016, total assets of $64.2 million, total loans of $38.4 million, total de-posits of $56.9 million, and total bank equity capital of $7.293 million. The bank operates one office at 302 Den-rock Ave. in Dalhart Q

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capital as of June 30, 2016. The financial terms of the merger were not disclosed. The transaction has been unanimously approved by boards and shareholders for both Sunflower and SGB, and is expected to close in the first quarter of 2017, subject to regulatory approval and other customary conditions Q


N E W S W A T C H OKLAHOMA

OK State Banking Board Approves New Bank Charter Application for IBC-Oklahoma The Oklahoma State Banking Board approved an application for a new bank charter to be known as Interna-tional Bank of Commerce (IBC-Okla-homa), Oklahoma City, at its regular June 22 meeting. According to the board meeting minutes, Bill Schonacher, president of IBC Bank – Oklahoma, was pres-ent to answer questions. He said the bank wishes to transfer ownership of its current OK branch operations (division of IBC-Laredo) to the new charter. IBC-Oklahoma and IBC-Lar-edo will be wholly-owned subsidiary

banks of IBC Subsidiary Corporation. Schonacher said the OK-based bank will have approximately $1.7 billion in assets. Chairman of the OKSBD board Mick Thompson said the FDIC ac-cepted IBC-Oklahoma application for deposit insurance on June 21. IBC-Oklahoma will become the fifth subsidiary bank of International Bancshares Corporation, Laredo, TX, a $11.9 billion-asset financial hold-ing company whose stock is publicly-traded on the NASDAQ. All five banks operate under state bank charters Q

ARKANSASBank of the Ozarks Rated Top Bank for Sixth YearBank of the Ozarks, Little Rock, has been named the top performing bank in the nation in its asset size category by Bank Director magazine. This is the bank’s fourth consecutive year to be recognized by Bank Director and the sixth consecutive year that a national organization has named Bank of the Ozarks as number one in the nation. The Bank Director 2016 Bank Perfor-mance Scorecard evaluates and ranks the 300 largest publicly-traded US banks separated into three categories. Bank of the Ozarks is in the $5 billion to $50 billion-asset category Q


N E W S W A T C H ARKANSAS

Home BancShares Inc. Announces Early Termination of All FDIC Loss Share Agreements with Centennial BankHome BancShares Inc., Conway, an-nounced July 26 that its wholly-owned subsidiary, Centennial Bank, Conway, has entered into agreements with the FDIC that terminate the bank’s loss share agreements with the FDIC. The loss share agreements were related to the bank’s acquisition of assets and assumption of liabilities of six failed banks through FDIC-assisted transac-tions in 2010. Under the terms of the agreement, the bank made a net payment of $6.6 million to the FDIC as consideration for the early termination of the loss share agreements. Accordingly, in the third quarter of its current fiscal year, the company expects to realize a cor-responding one-time pre-tax charge of almost $3.9 million or $0.02 diluted earnings per share, resulting primar-ily from the write-off of the remain-ing FDIC indemnification assets and settlement charges paid to the FDIC. John Allison, Home BancShares chairman, commented, “Our agree-ment with the FDIC to terminate our loss share agreements early is a sound financial decision for our com-pany and our investors. Our one-time termination expenses are expected be to offset by the future elimination of

amortization expense associated with the FDIC indemnification asset and loss share administration costs. Addi-tionally, the company will retain 100% of all future loss recoveries.” Allison added, “.... These acquisi-tions have assisted the company in growing our Florida footprint and market share, and we believe these benefits will far outweigh the risk of loss associated with any assets or ex-penses previously covered by the loss share agreements.” As a result of entering into the early termination agreements, assets that were covered by the loss share ar-rangements, including covered loans in the amount of $57.4 million and covered real estate owned of approxi-mately $205,000 as of June 30, 2016, will be reclassified as non-covered assets as of September 30, 2016. In addition, the early termination agree-ments eliminate the FDIC receivable for loss share agreements. All rights and obligations of the bank and the FDIC under the FDIC loss share agree-ments, including the clawback provi-sions and the settlement of loss share and expense reimbursement claims, have been resolved and terminated under the termination agreement Q

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ARIZONAMohave State Bank Merges Country Bank in Prescott

State Bank Corp., Lake Havasu City, the holding company for Mohave State Bank, on August 2 announced that it completed the acquisition of Country Bank, which was merged with and into Mohave State Bank on July 31. Brian M. Riley, president/CEO of State Bank Corp. and Mohave State Bank, made the announcement. As of the closing date, the com-bined company has nine branches and approximately $560 million in total assets, and is the largest com-munity bank headquartered in AZ. The acquisition extends Mohave State Bank’s footprint into Yavapai Coun-ty with Country Bank’s branches in Prescott, Prescott Valley, and Cotton-wood. Country Bank was established in February 2003 and was the Prescott area’s only locally-owned and oper-ated community bank. In connection with the merger, the State Bank Corp. board of directors appointed Benjamin Andre and M.P. ‘Brut’ Brutinel to both the State Bank Corp. and Mohave State Bank boards of directors. Andre has served on the board of directors for Country Bank since its inception in 2003 after a career in the hardware supply business. Brutinel started his banking career in 1957 and served as the president/CEO of Bank of Prescott, County Bank, and Country Bank. Mohave State Bank is the largest locally-owned bank in Mohave Coun-ty. The bank is a full-service bank pro-viding deposit and loan products, and on-line banking to individuals, busi-nesses and professionals. The bank was established in October 1991, and the holding company was formed in 2004. The bank has nine full-service branches: two in Lake Havasu City, two in Kingman, two in Prescott, one in Prescott Valley, one in Cottonwood, and one in Bullhead City. State Bank Corp.’s common stock is traded over-the-counter with ticker SBAZ. For further information, visit the web site: www.mohavestbank.com Q


The Federal Reserve Bank of Dallas has appointed Mary Jo A. Polidore vice president of the communica-tions and out-reach department. Polidore will oversee corporate communications and public out-reach functions, which support economic growth and increased understanding of the economy and role of the Federal Re-serve. Polidore’s experience in communi-cations and marketing spans several

R E G U L A T O R S

C h a r t e r

a c t i v i t y

P E O P L EFederal Reserve Bank of Dallas Appoints Polidore Vice President of Communications and Outreach

Polidore

business sectors, including aerospace and defense, industrial manufacturing and finance, and small business. Previously, she was vice president of corporate communications for Dal-las/Fort Worth International Airport. She also served for over 15 years in a variety of senior management posi-tions in communications and public affairs with four of Lockheed Martin Corporation’s major businesses. In addition, she managed communica-tions for Cooper Industries Crouse-Hinds division. Polidore is a member of the advi-sory council for St. Bonaventure Uni-versity’s Russell J. Jandoli School of Journalism and Mass Communication, Fort Worth Chamber of Commerce in-ternational committee, Fort Worth Sister Cities International board of directors, and the United Way of Tar-rant County strategic planning com-mittee. She is also a member of the International Association of Business Communicators and Public Relations Society of America. She holds a bachelor’s degree in journalism and mass communication from Saint Bonaventure University Q

ArkansasMERGERS AND ACQUISITIONS The FEDERAL RESERVE BANK OF KANSAS CITY has received an appli-cation by Simmons Bank, Pine Bluff, to merge with Citizens National Bank, Athens, TN, and to retain the acquired facilities as branch offices.New MexicoBRANCHES The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has re-ceived an application by The First Na-tional Bank of Santa Fe for a branch relocation from 516 W. Cordova Rd. to 504 W. Cordova Rd., Santa Fe.OklahomaCHARTERS The OKLAHOMA STATE BANK-ING BOARD has approved an appli-cation for a new bank charter to be known as International Bank of Com-merce, Oklahoma City.MERGERS AND ACQUISITIONS The OKSBD has received applica-tions for the merger of CornerBank, Winfield, KS, with and into RCB Bank, Claremore, and for a branch of RCB Bank, Claremore, at 900 Main St., Win-field, KS.TexasBRANCHES The TEXAS DEPARTMENT OF BANKING has approved an applica-tion by Falcon International Bank, Laredo, for a branch at 1805 N. Ex-pressway, Brownsville. The TXDB has received applica-tions by Frost Bank, San Antonio, for branches: 201 E. Shore, The Wood-lands, and 15455 Memorial Dr., Ste. 700, Houston. The FRB OF DALLAS has received applications for these branches. The TXDB has received an applica-tion by Woodhaven Bank, Fort Worth, for a branch relocation from 2229-A W. Park Row Dr., to 2401 W. Park Row Dr., Pantego.MERGERS AND ACQUISITIONS The TXDB has received an appli-cation by Wellington State Bank, Wel-lington, for a merger with target: First

National Bank in Dalhart, Dalhart. The FRB OF DALLAS has received an ap-plication for this merger and to estab-lish the head office of First National Bank in Dalhart as a branch office. The FRB OF DALLAS has received an application by WSB Bancshares Inc., Wellington, to acquire 100% of First Dalhart Bancshares Inc., and there-fore, indirectly First National Bank in Dalhart, both of Dalhart Q


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POSITIONS AVAILABLE

SENIOR CRE LENDER/MARKET MANAGER. Austin. Loan sizes are typically in the $5 to $10 million range. There is a portfolio to inherit. Excellent opportunity to join an ex-tremely well-capitalized $20 billion bank. Please call 214-515-7606 or email [email protected]

C&I LENDER/MARKET PRESIDENT for Dallas area Commercial Bank 20B. Must have 5-10 years experi-

ers and drive market share. Mark Mitchell, Lone Star Search. 972-335-9009. lonestarsearch.net.

SENIOR COMMERCIAL LENDING OFFICER-PRIVATE BANKING: Large independent financial institution has an immediate full-time opening for a Senior Commercial Lending Officer-Private Banking. Position requires at least 15 years experi-ence in commercial lending; pro-fessional customer base preferred. Extensive knowledge of commer-cial lending regulations and pro-cedures a must. College degree in finance, accounting, or related field is required. Individual must possess strong business development skills. Excellent salary and benefits. Qual-ified individuals may apply on-line

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C L A S S I F I E D


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A small family-owned community bank in West Texas is seeking an individual with STRONG COMMER-CIAL REAL ESTATE, AGRICULTUR-AL EXPERIENCE AND GENERAL KNOWLEDGE IN ALL LENDING FIELDS. Must have excellent com-munication skills and strong credit underwriting background. Three plus years lending experience pre-ferred. We offer a competitive sal-ary and great benefits package. Interested applicants may send a resume to [email protected], subject line Box J-1.

San Antonio area community bank seeks someone with at least 3 years experience as a CASHIER/CFO with a community bank. Must have BSA expertise and prefer experience in all areas of operations including IT. Degree preferred. Please email re-sume, salary expectations, and ref-erences to [email protected] or mail to P.O. Box 5970, San Antonio, TX. 78201. EOE.

First United Bank seeks SENIOR LENDER/BANKING CENTER MAN-AGER to oversee $115 million branch located in our Lamesa, TX, Banking Center. Applicant must have a bachelor’s degree in busi-ness or ag business/economics and have at least 10 years of agricultural lending experience. Individual must possess strong business develop-ment skills. Prior management and leadership skills a plus. We offer a competitive salary & great ben-efits package. Qualified candidate please forward resume to [email protected] or apply online at www.firstunited.net.

LENDING OFFICER POSITION with First National Bank Albany/Brecken-ridge. Our Breckenridge, TX. loca-tion seeks a community oriented in-dividual for general lending duties. Must have excellent communication skills and strong credit analysis/loan underwriting background. College degree and prior lending experi-

ence preferred. Applications from experienced loan review and loan analysts will be considered. Com-petitive salary and benefit package offered. Come join a well-managed, profitable, community bank. Send resume in confidence to [email protected].

CREDIT ANALYST II – American Mo-mentum Bank in Bryan/College Sta-tion. Bachelor’s degree in Business, Finance/Accounting preferred. Min-imum 3 years banking/credit expe-rience with 2+ years credit analysis experience in commercial banking. Lending background preferred. Strong underwriting experience forC&I and Commercial Real Estate loans. Please email resume to [email protected]. EOE/M/F/V/D

$300M bank seeking an EXPERI-ENCED LENDER with commercial, consumer, agriculture, and real es-tate lending background for a Cen-tral Texas branch office. College degree with banking experience required. Responsibilities include business development along with community involvement. Strong un-derwriting and organizational skills required. Send confidential resume to: [email protected], Subject line Box Y-1.

SENIOR LENDER/SR. VP OF LEND-ING: Southeast Texas. Clean, com-munity-owned, $300 million bank.You would be responsible for the loan side of the bank from A-Z, in-cluding overseeing a team of lend-ers, processors, and loan admin-istration. Bank wants to expand aggressively into strong viable mar-kets. Don’t respond if you can’t live in a town of less than 10,000 or are not willing to give 120% the first 36 months. Must be a leader who can motivate, cultivate, be a team player, and be a catalyst for change.Top salary and benefits for the right person. Working knowledge of D+H products and Fiserv Premier a plus.Please respond to [email protected], subject line Box A-1.

EQUIPMENT

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CFPB Proposes to Amend Federal Mortgage Disclosure Requirements




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Independent Community Bankers of America® (ICBA) President/CEO Camden R. Fine released the follow-ing statement (www.icba.org) on the proposed TILA-RESPA Integrated Dis-closure (TRID) rule issued on July 29 by the Consumer Financial Protection Bureau (CFPB) to help address regula-tory uncertainty. “ICBA appreciates the CFPB’s pro-posal to clarify important aspects of the TRID rulemaking, which has had a significant impact on nearly every fac-et of the residential lending process. We look forward to continuing to work with the bureau on this important rule to ensure community bank concerns are addressed and that these require-ments do not unduly burden consum-ers’ access to credit.”

From the CFPB website: http://www.consumerfinance.gov/policy-compliance/rule-making/rules-under-development/amend-ments-federal-mortgage-disclosure-require-ments-under-truth-lending-act-regulation-z/

“ICBA appreciates the CFPB’s proposal to clarify important as-pects of the TRID rule-making, which has had a significant impact on nearly every facet of the residential lending process...”

Proposed Rule Amendments to Federal Mortgage Disclosure Require-ments under the Truth in Lending Act (Regulation Z)

The Bureau of Consumer Financial Protection (Bureau) is proposing vari-ous amendments to federal mortgage disclosure requirements under the Real Estate Settlement Procedures Act and the Truth in Lending Act that are im-plemented in Regulation Z. The pro-posed amendments memorialize the bureau’s informal guidance on various issues and include clarifications and technical amendments. The Bureau is also proposing tolerance provisions for the total of payments, an adjust-ment to a partial exemption mainly af-fecting housing finance agencies and nonprofits, extension of coverage the integrated disclosure requirements to all cooperative units, and guidance on sharing the disclosures with various parties involved in the mortgage origi-nation process Q

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