been more important than in this uncharted time. May the ... · Cecily Jeser-Cannavale was pro-moted to administrative officer,value in prospecting. p e o p l e TeXAS Retired Claude

The mission to serve our communities has rarely been more important than in this uncharted time. May the gift of wisdom and the spirit of optimism guide us in fulfilling that mission in 2009. We wish you and yours a blessed holiday season as well as peace and prosperity in the coming year.

Bankers Digest

Page � BANKERS DIGEST December ��, �008

Keith H. Hazelton has been appointed senior vice president and director of economic research for the Oklahoma Bankers Association in Oklahoma City. Hazelton had served with Bank of America and First Fidelity Bank, N.A., in Oklahoma City after his relocation from Ohio in 2002. He received a bachelors degree and an MBA degree from Ohio State Uni-versity Q

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p e o p l e TeXAS

In This Issue...FDIC Releases Letter to Stakeholders for Third Quarter of 2008Feature............................................3

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

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

Please route this issue:

Hazelton Joins OBA as Senior Vice President

Hickel Joins Paradise Valley Bank as Pres/CEOGary Hickel has joined Paradise Valley Bank (proposed), Scottsdale, as presi-

dent and CEO. Pri-or to joining Para-dise Valley Bank, he served as president and CEO of Bank USA, N.A., in the Phoenix area. He was appointed in 2006. Hickel earlier served as president of Valley First Com-

munity Bank in Scottsdale. Hickel earned an MBA degree from Arizona State University and an under-graduate degree from Wichita State University. He is a board member of the Metro YMCA and has been honored by receiv-ing the President’s National Volunteer-ism Award Q

Castillo Is President, First United McKinneyFirst United Bank CEO Greg Massey recently announced that Dean Castillo

has joined the bank as president of its McKinney market. Casti l lo joins First United Bank after serving as market president for Irving-based In-dependent Bank of Texas in Frisco. He previously served

as Frisco branch president of Texas Republic Bank, Quanah/Security Na-tional Bank of Quanah. He has served in the Frisco/McKinney market for the past eight years. He began his banking career with the OCC as a national bank examiner. Castillo has more than 33 years of banking experience. He holds a BS degree from Florida State University and a masters degree from LSU. In addition to his banking responsi-bilities, Castillo is working to develop a funding base and organization struc-ture for a newly formed non-profit, the Sportsman Legacy Foundation, founded by his son, Lt. Commander A. Dean Castillo Jr., who serves in the U.S. Navy. The mission of the foundation is to provide lasting, quality outdoor mentorship to children who have lost a parent or who have a parent who has become physically challenged as a result of public service Q

Castillo

Karlon Cox has joined Bank’34 in Al-amogordo as president and CEO. The

career banker pre-viously served as president/manag-ing officer of Alamo National Bank, the Alamogordo bank-ing center of First National Bank, Ar-tesia.

Cox succeeds Miles Ledgerwood

who retired after 25 years of service with BANK’34/Alamogordo Federal Savings & Loan Association. He will retain his position as vice chairman of the board of directors. Cox, a 1980 graduate of Abilene Christian University, Abilene, TX, and a 1995 graduate of the Southwestern Graduate School of Banking at SMU (faculty since 2000), began his full-time banking career in TX. He has served in mortgage and construction lending and commercial lending with several TX and NM banks. He joined First National Bank of Artesia in 2005 to take over Alamo National Bank in Alamogordo Q

Cox Is President/CEO, Bank’34, Alamogordo

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CoxHickel

December ��, �008 BANKERS DIGEST Page �

F e A T U R e

Source:FDIC

Washington, DCwww.fdic.gov

(continued on Page 12)

REGULATORSFDIC Letter to Stakeholders for Third Quarter of 2008

B D

FEATURE

Federal De-posit Insur-ance Corpora-tion Chairman Sheila C. Bair has released the agency’s

latest Letter to Stakeholders which highlights its activities and accomplishments dur-ing the third quarter of 2008, a period of turmoil in the nation’s financial sector not seen since the Great Depression. The FDIC, along with the Treasury and the Federal Reserve, have taken unpre-cendented measures to bolster public confidence in the nation’s financial insti-tutions and in the U.S. economy.The highlights are summarized in the following two sections.

OUR PRIORITIESDepositor Protection• On October 3, President George W. Bush signed the Emergency Eco-nomic Stabilization Act of 2008, which temporarily increases the basic FDIC deposit insurance coverage limits from $100,000 to $250,000 per depositor through December 31, 2009.• On October 14, the FDIC announced the Temporary Liquidity Guarantee Program to strengthen confidence and increase liquidity in the banking system. The new program will, for participating entities, guarantee newly issued senior unsecured debt of eli-gible institutions and will provide full deposit insurance coverage for non-in-terest bearing transaction accounts in FDIC-insured institutions, regardless of the dollar amount.• On October 7, the FDIC board voted to adopt a restoration plan and issued a notice of proposed rulemaking that would increase the rates banks pay for deposit insurance, while making adjustments designed to ensure that riskier institutions bear a greater share of the proposed increase in assess-

ment fees.• FDIC-insured commercial banks and savings institutions reported net in-come of $1.7 billion in the third quarter, a decline of $27.0 billion (94%) from the third quarter of 2007.• The Deposit Insurance Fund balance decreased $10.6 billion (23.5%) to $34.6 billion during the third quarter. This decrease was primarily the result of an $11 billion increase in estimated losses for future failures recorded in the third quarter. As of September 30, the reserve ratio was .76%, down from 1.01% as of June 30.Mission Support• On August 20, IndyMac Federal Bank, FSB, launched a new program to sys-temically modify troubled mortgages. This program is designed to achieve affordable and sustainable mortgage payments for borrowers and increases the value of distressed mortgages by rehabilitating them into performing loans.• On September 22, the FDIC launched a national campaign designed to help consumers learn about the benefits


Frost Bank San Antonio region presi-dent Don Frost recently announced that Cindy Reeves was promoted to execu-tive vice president, credit administra-tion support. She is a 32-year banker and holds a BBA degree in finance from Wichita State University. Judy Gilby was promoted to se-nior vice president, financial manage-ment group-re-tirement services. The 30-year banker earned a BS degree in accounting from Wichita State Uni-versity. The bank also announced the promotion of Kate Crosby to vice president, commercial lending and business development of-ficer, North Frost Financial Center. Cecily Jeser-Cannavale was pro-moted to administrative officer, value in prospecting.

p e o p l e TeXAS

Retired Claude Banker Burt W. Brunson Died at 90Retired Armstrong County banker Burt Warner Brunson died November 28 in Las Vegas. He was 90 years old. Born May 12, 1918, in Armstrong Count, he was a lifelong resident of Claude. He served in the U.S. Army Air Force in WWII where he was captured and spent time as a POW in Germany before being liberated in 1945. After the war, he returned to Claude and eventually joined First National Bank of Claude where he served as cashier and vice president until his retirement in the 1980s. The bank is now known as Citizens Bank Q

Brown Is VP and Manager, Lone Star Bank in BrazoriaRussell Brown has been named vice president and branch manager at the Brazoria branch of Lone Star Bank, SSB, Moulton. Brown, a 33-year banker, has experience in all phases and facets of banking, includ-ing finance and ac-counting. He most recently served as president of Bank of South Texas, Kingsville branch, and earlier as chairman and presi-dent/CEO of predecessor Hebbronville State Bank. He holds a BBA degree in account-ing from St. Mary’s University in San Antonio and is a graduate of the BAI graduate banking school at the Uni-versity of WI. Lone Star Bank operates banking offices in Angleton, Austin, Brazoria, Gonzales, Moulton, and Shiner Q

Reeves Brown

Reeves Upped to EVP, Gilby to SVP, Frost Bank

Gilby

Michael Davis was promoted to as-sistant financial management group officer, Frost Wealth Management Services Q

Former Corpus Bank Exec Harris Named Controller

Terri Irvin Supak, assistant banking center manager for First Victoria Na-tional Bank in Corpus Christi, has been promoted to bank officer. She serves at the Timbergate location at 6670 S. Staples St. Supak has two years of banking experience. She holds a BBA degree in business administration from Texas A&M University-Corpus Christi Q

Supak Promoted at First Victoria in Corpus Christi

WaterStreet Ltd., a Corpus Christi food and entertainment company, has named former Corpus Christi banking executive Emmett Harris corporate controller. Harris has 38 years of experience in banking, finance, and accounting. He previously served as executive vice president/COO of First Commmerce Bank-Corpus Christi. Earlier, he served in finance and accounting with the bank, which is now part of Kleberg First National Bank, Kingsville. He began his career with The Mercantile National Bank of Corpus Christi in 1970. He received a BBA degree in finance from Texas A&I University in Kingsville, graduated from the ABA Commercial Lending School at the University of OK in Norman, and graduated with honors from the School of Bank Ad-ministration at the University of WI in Madison Q


p e o p l e ARKANSAS

Simmons First National Bank Taps New OfficersSimmons First National Bank, Pine Bluff, has announced recent officer appointments. Donald L. Britnell was named com-munity executive and regional manager for the Simmons First North Region. Karen S. McKim and Karen A. Montana have been named consumer banking officers at Simmons First Na-tional Bank in North Little Rock and Little Rock, respectively. Christy Bush was named compliance officer in the special services group, and Amanda Horton was promoted to assistant vice president in cash management and e-banking, both in Pine Bluff Q

Roberts Promoted to Trust Officer, Los Alamos NationalLos Alamos National Bank has an-nounced the promotion of Elinor Paterson Roberts to trust officer in the trust and investment services de-partment in Santa Fe. Roberts has served at the bank for the past year as a trust administrator. Prior to joining the bank, Roberts practiced law in CT. She received a BA degree from Franklin & Marshall College, Lancaster, PA, and earned a JD degree from St. John’s Uni-versity School of Law in Queens, NY Q

Retired Banker/LSU Honor Grad Adolphe G. Gueymard DiesAdolphe G. Gueymard, age 95, died at his home in Houston, TX, on December 8. He served as senior vice president and manager of the energy division of First City National Bank of Houston at his retirement in 1973. Gueymard was a 1935 graduate of LSU with a degree in petroleum engineer-ing. He served in WWII in the 101st Airborne and fought at Normany on D Day and in the Battle of the Bulge. He was a fervent supporter of LSU and other educational institutions. He served as president of the LSU Foun-dation in 1969 and established the Gueymard Professorship in Geology and Geophysics at LSU. He was inducted into the LSU Alumni Hall of Distinction in 2000 and into the LSU Basic Sciences Hall of Distinction in 2006. After his retirement from banking, he served as a member of the board of directors of several national and multi-national corporations and banks Q

Stephens Named VP/CLO, MidSouth in Baton RougeMidSouth Bank, N.A., Lafayette, has named Kimberly Stephens vice president and commercial loan officer at the Jefferson Highway location in Baton Rouge. She previously worked for First Bank and Trust in New Or-leans Q

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N e W S W A T C H

ARKANSAS

Myers BancShares Plans New Facility & Data CenterMyers BancShares Inc., Alva, has an-nounced plans for a new banking facil-ity in downtown Alva for The Central National Bank of Alva and a data center, which will house BancCentral Financial Services Corp. Marilyn Myers Bouz-iden, chairman of the board, made the announcement. The main location of The Central National Bank of Alva (originally Alva Security Bank) has been on the NWC of the square in downtown Alva since 1899. “The structure we currently occupy has served us well through the last century. It is time to create a new building that will take us through the next 100 years,” says Mary Margaret Myers-Miller, director. “We know this is where we want to be 100 years from now,” states Kyle D. Hughbanks, president and CEO. BancCentral Financial Services is currently housed on the upper floor of The Central National Bank of Alva and processes several banks in north central and northwest OK Q

BOKF Targets Insurance Unit for Non-Interest Growth With revenue up some 50% this year, BOK Financial Corp., Tulsa, foresees even stronger growth going forward from its infant insurance unit. “I think there is a great deal of upside potential,” J. Robert Cole, vice president and regional manager with BOSC Inc., a subsidiary of Tulsa-based BOKF, told The Journal Record writer Kirby Lee Davis. Cole oversees BOKF’s retail insurance efforts across its eight-state footprint. BOKF should report $1 million in revenue from its insurance line of business in 2008 and BOSCs financial consultants have reached less than 1% of BOKF’s customers, Cole said. The $33 billion bank holding compa-ny reported $117.8 million net income for the first nine months of 2008. Cole said also that BOKF could gar-ner from $5 million to $10 million a year from its insurance line of business within five years. The BOSC retail group employs about 52 financial advisors spread around the various BOKF branches, with the great-est concentration in OK and TX Q

Arkansas Business Publishing Honors Hill & Three Firms Arkansas Business Publishing Group has announced this year’s finalists for the 2008 Arkansas Business of the Year Awards, which honor businesses, non-profits, and executives from through-out the state. Award winners will be named at a banquet in Little Rock on February 24, 2009. Among the five business executive category finalists is J. French Hill of Delta Trust & Banking Corp., Little Rock. In category II, Bank of Little Rock Mortgage is among the five nomi-nees. Arkansas Federal Credit Union and Signature Bank of Arkansas, Fayetteville, are two of the nominees in Category III Q

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Los Alamos National Buys Santa Fe Financial Firm

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Los Alamos National Bank has expand-ed its trust and investment services business through a merger with Santa Fe-based investment and financial planning firm Allocca & Brunett Inc., which has served northern NM since 1963. The merger announcement was reported in The New Mexican. The bank purchased the assets of Allocca & Burnett Inc. upon the retire-ment of the firm’s founding member Joe Allocca. Five of the firm’s employees will join the bank’s trust and investment services department. They are John Brunett, chief investment officer; Dar-rin M. Abby, investment officer; and Linda Kampen, Nidia B. Alderete, and Nancy P. Duncan investment as-sistants Q

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Investar Bank, Baton Rouge, Breaks Ground in Port AllenInvestar Bank, a de novo established in 2006, has broken ground for its second location at 3761 LA 1 South in Port Allen. John D’Angelo, president/CEO, re-ported the 2,300-square-foot facility

Home Bank CEO Bordelon Rings Nasdaq Closing Bell

John W. Bordelon, president/CEO of Home Bank and Home Bancorp Inc., Lafayette, presided over the Nasdaq clos-ing bell ceremony on November 20. The company’s stock be-gan trading (under the symbol HBCP) on the Nasdaq Global Market on October 3. “We are honored to have been invited by Nasdaq to ring the closing bell in

celebration of our successful initial public offering and 100th anniversary....The $89 million in capital raised through our public offering will help us reach more potential customers searching for a strong, community-focused bank,” Bordelon said. Chartered in 1908 as Home Building and Loan, Home Bank is one of LA’s stable fi-nancial institutions Q

will open in early 2009. As of September 30, 2008, Baton Rouge-based Investar Bank reported total assets and total liabilities of $125 million and $100 million Q

John Bordelon (center, left), president/CEO of Home Bank and Home Bancorp Inc. presided over the Nas-daq closing bell ceremony Nov. 20. With Bordelon were Mary Hopkins, controller; Joe Zanco, CFO; Darren Guidry, chief lending officer; Sarah Oubre, human re-sources manager; and Scott Sutton, COO.


N e W S W A T C HN e W S W A T C H

WaMu Keeping San Antonio Regional Center Open

Washington Mutual Bank recently re-vealed that, despite nationwide layoffs, it is keeping open a regional operations center in San Antonio that employs 1,800 people and is at the core of its job creation agreement in TX, accord-ing to an article by Kelley Shannon, The Associated Press writer. WaMu, the largest bank to fail in the ongoing financial crisis, was taken over by JPMorgan Chase & Co. in September. Chase announced recently it is cutting 9,200 WaMu jobs nationally. According to the article, it is not yet clear how many Texans will be affected by the layoffs or whether the combined company will abide by WaMu’s long-term Texas Enterprise Fund contract that calls for adding 4,200 financial services jobs in the state over several years. In return, the company received $15 million in state taxpayer money. WaMu spokeswoman Missy Latham said there will be “small pockets” of lay-offs in TX and the San Antonio center

M&I Scales Back AZ C&D Estate Lending PortfolioStung by losses in the hundreds of millions from construction and de-velopment loans in AZ and FL, M&I (Marshall & Ilsley Bank) plans to reduce the size of that portfolio by 50% during the next three years, according to an article by Rich Kirchen, Phoenix Business Journal writer. The Milwaukee-based financial ser-vices firm has virtually stopped writing new business loans in those two states and has established a “special assets division” to sell the delinquent and foreclosed properties, according to president and CEO Mark Furlong. M&I will focus on its Midwestern markets for construction loans in the future, he said. The bank will also focus on growing its non-residential loan business and retail business in AZ and FL, Furlong said M&I has had an AZ footprint for 22 years and operates 50 branches in the state. M&I’s residential-related loans in AZ represents 16% of M&I’s total loans and 37% of its non-performing loans Q

ARIZoNA

- a key component of the bank’s 2005 enterprise fund agreement - would remain in place. It isn’t clear whether the San Antonio center will remain at its current staffing level or be reduced or expanded. Chase officials are in touch with the TX governor’s office about the en-terprise fund agreement, though the future of the agreement is uncertain, said Chase spokesman Greg Hassell. He noted that apart from WaMu, Chase has operated a 2,500-employee center in San Antonio. WaMu and Chase combined have 25,600 employees in TX, 5,600 from WaMu and 20,000 from Chase, which is the largest financial institution in terms of deposits in the state Q

TeXAS

CorrectionSpirit of Texas Bank, SSB, has received approval to open a branch office in Magnolia. It was reported in the De-cember 8 issue that Spirit Bank of Texas had received approval Q

TeXAS

Heritage Bank, Detroit, To Open Pearland BranchHeritage Bank, N.A., Detroit, has re-ported that it plans to open a branch in the Houston suburb of Pearland on January 5, 2009. Dennis Bonnen, chairman/CEO, told Bankers Digest the bank has received ap-proval from the OCC to open a branch at 3322 E. Walnut, Ste. 109, in Pearland. He also said the bank is in the process of acquiring property to build a perma-nent banking facility in Pearland. Heritage Bank, formerly known as Community National Bank, was ac-quired by Bonner and other investors earlier in 2008. The bank, established in 1985, maintains its head office in Detroit in Red River County, which borders OK in northeast TX. The bank has announced that 23-year banker Dennis Harrington has been named president of the bank and will serve at the new Pearland branch Q

Page 8 BANKERS DIGEST December ��, �008

C h a r t e r

a c t i v i t y

R e g U l A T o R S

ArizonaBRANCHES The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has ap-proved an application by National Bank of Arizona, Tucson, for a branch at 5360 N. La Cholla Blvd., Tucson. The OCC has approved an application by Bank of Arizona, N.A., Phoenix, for a branch at 9545 W. Camelback Rd., Phoenix.ArkansasMERGERS AND ACQUISITIONS The OCC has announced the non-af-filiate merger of Bank of Rogers with and into The First National Bank of Fort Smith was effective December 1.LouisianaMERGERS AND ACQUISITIONS The FEDERAL RESERVE BANK OF ATLANTA has received an applica-tion by First Trust Corporation and its subsidiary, First Bank and Trust, both of New Orleans, to acquire 100% of the outstanding shares of Globe Bancorp Inc, and its subsidiary, Globe Homestead Savings Bank, FSA, both of Metairie.TexasCHARTERS The OCC has approved an applica-tion by organizers for an independent, full-service national bank charter titled Ford Group Bank, N.A., 200 Crescent Court, Ste. 1350, Dallas 75201. The TEXAS DEPARTMENT OF BANKING has received an application

for a de novo state bank charter titled Bank of Bombay, 1000 W. John Carpen-ter Fwy., Irving. Contact is Don Hutson, 314/231-5544.BRANCHES The OCC has approved an applica-tion by First Community Bank, N.A., Sugar Land, for a branch at 23701 Cinco Ranch Blvd., Ste. 100, Katy. The OCC has received an applica-tion by Incommons Bank, N.A., Mexia, for a branch at 5400 Crosslake Pkwy., Waco. The OCC has received an application by Wachovia Bank, N.A., Charlotte, NC, for a branch at 19707 Hwy. 59 N., Humble. The OCC has approved an applica-tion by JPMorgan Chase Bank, N.A., Columbus, OH, for a branch at 4001 W. Park Ave., Plano. The OCC has approved an application by First National Bank, Wichita Falls, for a branch, titled First National Bank Town Square Mortgage, at 1253 Main St., Southlake. The OCC has approved an applica-tion by Heritage Bank, N.A., Detroit, for a branch at 3322 E. Walnut, Ste. 109, Pearland. The OCC has approved an application by NewFirst National Bank, El Campo, to relocate a branch from 1600 Hwy. 6 S., Ste. 150, to 50 Sugar Creek Center Blvd., Ste. 100, both in Sugar Land.MERGERS AND ACQUISITIONS The OCC has received a domestic pur-chaser/change in control application by Bonnie P. Harvey involving Preston National Bank, Dallas. The OCC has received an application by First Community Bank, N.A., Sugar Land, for the affiliate merger of First Community Bank Central Texas, N.A.,

Meridian, with and into First Commu-nity Bank, N.A., Sugar Land. The TXDB has approved an applica-tion by Security State Bank, Odessa, for the merger of First National Bank of Monahans, Monahans, with and into Security State Bank. The TXDB has approved an applica-tion by Texas First Bank, Texas City, to purchase & assume (P&A) certain as-sets and liabilities of Texas First Bank, Galveston.MAIN OFFICE RELOCATION The OCC has approved an application by The Jacksboro National Bank to relo-cate its main office from 124 E. Belknap to 910 N. Main St., Jacksboro Q

The Georgia Department of Banking and Finance closed Haven Trust Bank, Duluth, GA, on December 12, and the FDIC was named receiver. The FDIC entered into a purchase and assump-tion agreement with Branch Banking & Trust (BB&T), Winston-Salem, NC, to assume all of Haven Trust’s deposits. The four branches of Haven Trust were to reopen on Monday, December 15, as branches of BB&T. As of December 8, 2008, Haven Trust had assets of $572 million and total deposits of $515 million. BB&T will pay a $112,000 premium to assume all of the deposits and will purchase approximately $55 million of the failed bank’s assets. The FDIC estimates the cost to the DIF will be $200 million. Sanderson State Bank, Sanderson, TX, was closed by the Texas Depart-ment of Banking on December 12, and the FDIC was named as receiver. The FDIC entered into a purchase and as-sumption agreement with The Pecos County State Bank, Fort Stockton, TX, to assume all of the failed bank’s de-posits for .55% premium and purchase certain assets. As of December 3, 2008, Sanderson State Bank, located in Terrell County near the Big Bend, had total assets of $37 million and total deposits of $27.9 million ($16 million in brokered deposits). The FDIC estimates the cost to the DIF will be $12.5 million. The GA and TX banks were the 24th and 25th to fail in the nation in 2008 Q

Bank Regulators Close Banks in Georgia and Texs

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PoSition Wanter

Dallas banker with 15 years of inter-im construction & mortgage lendingexperience seeking position with community bank. Has originated over $350 million in interim con-struction loans & $150 million in mortgage loans. A lot of fee income! Additional experience in operations as Cashier & Compliance officer. Can also originate light commercial & consumer loans. Has successfully opened LPO’s as well as new branch. Willing to relocate to Austin area. Please respond to [email protected], Attn: Box D-2.

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Page 10 BANKERS DIGEST December ��, �008

C l A S S I F I e D PoSitionS available

SAN ANTONIO SENIOR LENDER. Good credit skills required with re-lationships. Possible ownership and competitive salary. Sharon Emiliano, Babich & Associates, [email protected], 214/823-9999, #306, www.babi-ch.com. (see banking).

ENTERPRISE RISK MANAGER for community bank willing to relocate TO San Antonio. Heavy experience in compliance, risk, and audit for all type loans in a National Bank. Excellent Sharon Emiliano, Babich & Associates, [email protected],

214/823-9999, #306, www.babich.

com (see banking).

SENIOR LENDER for growing WEST

TEXAS BANKING GROUP. Excellent

growth opportunity with outstand-

ing salary and bonus program. Har-vey Urban, Babich & Associates, [email protected] 214-823-9999 #304.

CHIEF FINANCIAL OFFICER/CHIEF OPERATIONS OFFICER for Dal-

las/Fort Worth area bank. Ex-cellent salary and great growth opportunity!Harvey Urban, Babich & Associates, [email protected] 214-823-9999, #304.

OKLAHOMA COMMERCIAL LEND-ER! Need solid experience. Resume to Jon Davis, Babich & Associates, 214/823-9999, [email protected], www.babich.com (Banking).

LOUISIANA BANKERS. I can help you find a better situation. Resume to Jon Davis, Babich & Associates, 214/823-9999, [email protected], www.babich.com (Banking).

CASHIER, TEXAS: Community bank needs reliable, experienced bank CONTROLLER or CASHIER. Manage call report, back office accounting. Mark Mitchell, Lone Star Search, 972-335-9009, www.lonestarsearch.net.

Houston, TX, bank is seeking an EX-PERIENCED COMMERCIAL LENDER for the Greater Houston Area. Great opportunity to join this well capital-ized growing community bank. Fax

resume to (713) 548-8707 or email to [email protected], subject line Box Y-3.

Community Bank in Fort Worth area seeks an EXPERIENCED LENDER with at least 5 years lending experi-ence in strong real estate and light commercial lending. Required to be actively involved in local communi-ty activities and have the ability to develop business. Required experi-ence and knowledge of regulatory banking laws. An Equal Opportunity Employer. Please send resume and salary requirements to [email protected].

Seeking EXPERIENCED LENDER for community bank in Fort Worth with at least 5 years lending experience in real estate, installment, and light commercial loans. Need to be in-volved in local community and have ability to develop business. Please send resume and salary require-ments to [email protected].

The City National Bank of San Saba, TX, is seeking a reliable, experi-enced CASHIER to become a part of this 100 year old community bank.

December ��, �008 BANKERS DIGEST Page 11

cover letter and resume to [email protected] EOE/AA.

WEST TEXAS AREA COMMUNITY BANK SEEKS AN EXPERIENCED LENDER with at least 5 years lend-ing experience. Prefer well-rounded experience in commercial, consum-er and real estate lending. Second-ary market residential mortgage origination a plus. Bilingual Eng-lish/Spanish preferred. Required to be actively involved in community activities and be able to develop business. Must have experience and knowledge of bank regulatory laws. Please email resume and salary re-quirements [email protected].

HAPPY STATE BANK, a dynamic com-munity bank in the Texas Panhandle, is growing and seeking a COMMER-CIAL/AGRICULTURE LENDER in our Hereford, Texas banking center. A minimum of five years experience is required. Please email resume and salary requirements to [email protected].

equiPment

FOR SALE: Used safe deposit boxes, lockers, safes, night depositories, un-dercounter units, fireproof note and legal files, drive-up windows. Over 340 types SD Locks available. Custom made & large size gun safes in stock. OK license #1055. 580/584-7766 or 800/642-8763, or FAX: 580/584-7720, or email: [email protected] or www.underwoodsafe.net.

CROSSLIN CO. BANK EQUIPMENT provides sales, service, and installa-tion of new and used equipment, in-cluding: modular vaults, vault doors, ATMs, safe deposit boxes, safes, undercounter steel, depositories, drive-in systems, bullet resistant

The bank is a strong, well capital-ized bank located in the Texas Hill Country. Competitive salary and great employee benefit package. Please respond or send resume to: City National Bank, P.O. Box 98, San Saba, Texas 76877 or contact Sam Murray @325-372-5721 or email to [email protected].

CASHIER/COMPLIANCE/CFO: De novo bank starting late first quarter 2009 needs a strong cashier who can handle compliance and CFO duties as well. Salary commensurate with experience. For immediate consid-eration, please send your resume to [email protected] or fax to the attention of Dibbon at 713-840-1815.

Central Texas bank seeks an expe-rienced person to ASSIST IN LOAN REVIEW. Applicant needs experi-ence in loan review of agriculture, commercial, and commercial real estate loans. Will work under the supervision of an experienced loan review officer. Prefer a minimum of 1 year’s experience in banking, independent CPA loan review, or bank examination. Experience in appraisal review is also an asset. Salary based on experience. Please respond to Bankers Digest, Attn: Box D-1.

BANK CONTROLLER: Seeking qual-ified professional to manage bank’s financial operations department. Re-sponsibilities include supervision of accounting for GL, investment port-folio, payables, cash position, asset/liability management, and accruals. Regulatory and financial reporting. Budgeting, analysis, modeling and forecasting. Requires accounting or finance degree, CPA or advanced degree preferred, computer profi-ciency, and minimum 5 years mana-gerial/supervisory experience. Send

windows, and file cabinets includ-ing: fireproof note, check, 4-drawer, legal or letter. Call 1-800-452-9058.

BANKING EQUIPMENT NEW AND USED: Buy, sell or trade. Service & installation. Power files, x2 units, shelving, Mobile shelving, fireproof files-note, legal and letter, under-counter. Money safes, safety depos-it boxes. FLAIR SYSTEMS, 800/468-1246, 214/340-3580.

MODULAR BANK BUILDING: 14x60. Two offices, lobby, drive-in, two I/S tellers, night depository. $26,900. Email inquiries to [email protected].

MODULAR BANK BUILDINGS: Looking to Branch? Opening a New Charter? Disaster Planning? Need a Temporary while Remodeling? Tem-porary/Permanent Modular Bank Buildings new and used. North American Buildings, 888-800-8866, www.NorthAmericanBuildings.com.

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Page 1� BANKERS DIGEST December ��, �008

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Feature (continued from Page 3)

TIB _ 4 COLORRepeat November Ad“Think of us as your Safe Harbor” Page 7, November 24

and limitations of deposit insurance. The public was encouraged to visit www.myFDICinsurance.gov, an online tool that provides customized informa-tion about their insured accounts using “EDIE the Estimator.” The following key indices compare third quarter 2008 to third quarter 2007.Insurance:# of insured institutions: 8,394 vs. 8,570;$ insured institutions: $13,613 billion vs. $12,726 billion;Insured deposits: $4,544 vs. $4,243;Fund balances: $34.6 billion vs. $51.8 bil-lion;

Reserve ratios: .76% vs. 1.22%;number of problem banks: 171 vs. 65$ problem banks: $115.6 billion vs. $18.5 billion.Supervision:Total # of FDIC supervised institutions: 5,148 vs. 5,210.Bank examinations:Safety and soundness: 1,827 vs. 1,706;Compliance and CRA: 1,331 vs. 1,347;Insurance and other applications ap-proved: 1,998 vs. 2,304;Formal & informal enforcement ac-tions: 349 vs. 300.Receiverships:Total receiverships: 30 vs. 25;

Assets in liquidation: $9.481 billion vs. $2.085 billion;Collections: $432 million vs. $56 million;Dividends paid: $844 million vs. $252 mil-lion.Deposit Insurance Fund:Assessment income: $1.969 billion vs. $404 million;Interest: $1.795 billion vs. $1.955 billion;Comprehensive income: ($17.825 bil-lion) vs. $1.589 billion;Provision for insurance losses: $22.676 billion vs. $57 million.ResourcesStaff headcount: Y/E 2008 target 5,621 vs. 3rd quarter 2008 4,827 Q

been more important than in this uncharted time. May the ... · Cecily Jeser-Cannavale was pro-moted to administrative officer,value in prospecting. p e o p l e TeXAS Retired Claude

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