fnb midwest city wilson elected evp, texas bankers to ... · wilson elected evp, charter bank...

FNB Community Bank, Midwest City, OK, has reported that EVP/Vice Chair-

man of the Board of Directors John R. Croak has re-cently added the position of sales division manager to his duties at the bank. Born and raised in Midwest City, he received a BA degree in

communication from the University of Oklahoma. He is the third generation of Croaks to be employed by the bank that his grandfather, Henry Croak, pur-chased in 1954. Timothy T. Ballard, CFO, opera-tions division manager, and member of the board of directors, was recently promoted to EVP after working at the bank since 1990. He is active in the

community, cur-rently serving as a commissioner on the Del City Civil Service Commis-sion. Joe Koster was recently promot-ed to SVP, central credit division manager. The vet-eran banker has served with FNB Community Bank since 1995. Barbara Fox was promoted to chief credit officer and supervisor of the central loan processing de-

partment. Fox has served with the bank since 1999. She develops and delivers critical and quality finan-cial analysis for the bank. Niki Latschar has been promot-ed to vice presi-dent and branch manager of the bank’s Douglas Branch at 1213 S. Douglas Blvd. in Midwest City. She has been a bank employee since 2004 Q

Volume 148, No. 15April 18, 2016 www.bankersdigest.com

Croak

Texas Bankers to Gather in Grapevine

Federal Reserve Update: Mobile Banking Use Continues to RiseFeature..............................................3

In This Issue...

Published weekly on Mondays except fifth Mondays

Charter Bank, Corpus Christi, TX, has elected Alan Wilson as a member of

the board of di-rectors and as ex-ecutive vice presi-dent. He will office at 801 Navigation Blvd. location in Corpus Christi. Wilson has 35 years of banking experience, the last 13 years at

Frost Bank in Corpus Christi. He has been active in his commum-nity and currently serves as chairman of the Corpus Christi Chamber of Commerce board of directors, presi-dent of the Amistad Center Board of Directors, president-nominee mem-ber of the Corpus Christi Rotary Club board of directors, and with numerous other organizations Q

Wilson

Ballard

Koster

FNB Midwest City Reports Promotions

Wilson Elected EVP, Charter Bank Corpus

The Texas Bankers Association has an-nounced its 132nd Annual Convention & Exposition is set for May 4-6 at the Gaylord Texas Resort, 1501 Gaylord Trail, Grapevine. The convention theme is “INSPIRE.INNOVATE.ENGAGE.” Activities will begin on Wednesday, May 4, with a morning golf tourna-ment and conclude with a late after-noon marketplace preview reception and evening opening reception. The opening general session on May 5 will feature speakers: AmyK Hutchens, AmyK International; TBA Chairman’s address by Ken L. Bur-gess Jr., chairman of FirstCapital Bank of Texas, Midland; ABA President/CEO Rob Nichols; and Lee Wetherington, Jack Henry & Associates. The luncheon on May 4 will feature Cornerstone & LIFE Awards, followed by afternoon concurrent education sessions. The Friday morning general session will feature speakers: election analyst David Wesserman, Cook Report; TBA Chairman’s address by Jim R. Purcell, chairman/CEO, The State National Bank, Big Spring; and Keynote Speak-er Mike Rogers, 2011-15 Chairman, US House Permanent Select Commit-tee on Intelligence. The TBA 50-Year Bankers Award luncheon, afternoon concurrent edu-cation sessions, evening BankPac reception & live auction, and the Chairman’s Dinner and entertainment round out the convention events Q

Fox

Latschar

BANKERS DIGEST April 18, 2016

Texas Capital Bank, N. A., Dallas, has recently named Buddy Brasseaux as executive vice president and head of opera-tions. He reports to Kirk Coleman, EVP for technolo-gy, operations, en-terprise planning, and information security. Prior to join-ing Texas Capital, Brasseaux served with Bank of America for 13 years in a variety of areas, including commercial bank, treasury management, consum-er bank, and procurement Q

tate lending. He previously served as a senior vice president and commer-cial loan officer. Senior Vice President Lau-ren Suderman Millo was named marketing direc-tor responsible for coordinating all marketing and social media ac-tivities. She ear-lier served as a commercial loan officer for more than four years and started her career at the bank as a credit ana-lyst. She is active in Galveston and Galveston County civic and commu-nity affairs. Moody National Bank is among the largest privately-owned banks in the Houston metro area, with assets exceeding $1.1 billion and banking locations serving Brazoria, Fort Bend, Galveston, Harris, and Travis counties Q

Victor Pierson, president of Moody National Bank, Galveston, has an-nounced new as-signments for four key bank officers. Executive Vice President Michael Wisner has been named chief op-erating officer. He is now respon-sible for daily op-erations, including business devel-opment, lending, branches, and in-formation technol-ogy. Executive Vice President Dan Walsh was named chief lending of-ficer responsible for planning, co-ordinating, and directing lending and business devel-opment. He previously served as chief business development officer. Michael Lerner has been named executive vice president. He will now be specializing in commercial real es-

P E O P L E TEXAS

Bankers Digest®

Established 1942A Weekly Bank News Magazine

(USPS 041180)Published weekly on Monday except fifth Mondays

at 9516 Bill Browne Lane, Dallas, Texas 75243Copyright 2016 Bankers Digest®

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

P. O. BOx 743006Dallas, Texas 75374-3006

Phone 214/221-4544Fax 214/221-4546

E-mail: [email protected]: www.bankersdigest.com

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Opinions expressed by writers of bylined articles are not necessarily those of Bankers Digest. We make no representations or war-ranties for information, products, or services contained in any advertisement in this maga-zine or on our website. Editorial guidelines may be obtained upon request. Articles and photos may be submitted to above address.

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

Texas 75374--3006

Brasseaux

Wisner, Walsh, Lerner, and Millo Take New Roles at Moody National Bank, Galveston

Walsh

In This Issue...

Federal Reserve Update: Mobile Banking Use Continues to Rise Feature..............................................3

Newswatch...................................7,8

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

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

Lerner

Millo

Wisner

Texas Capital in Dallas Names Brasseaux EVP

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April 18, 2016 BANKERS DIGEST

F E A T U R E

B D

FEATURE

Source:News Release

Federal Reserve Boardwww.federalreserve.gov

MOBILE BANKINGFederal Reserve Update:

Mobile Banking Use Continues to Rise

(continued on Page 12)Bankers DigestTIB 1/3 pg ad2016

Mobile bank-ing use con-tinued to rise in 2015 as smartphone a d o p t i o n grew and con-

sumers were increasingly drawn to the convenience of mobile financial ser-vices, according to a Federal Reserve Board of Governors (“Board”) report, “Consumers and Mobile Financial Ser-vices 2016,” released on March 30. The report documents consumers’ use of mobile phones--Internet-en-abled smartphones as well as more basic phones with limited features--as they bank and carry out financial activ-ities. It is the Board’s fifth annual look at how consumers use mobile phones to access banking services (“mobile banking”), make payments, transfer money, or pay for goods and services (“mobile payments”), and inform fi-nancial decisions, as well as their rea-sons for using these services. As of November 2015, 43% of adults with mobile phones and bank ac-counts reported using mobile bank-ing--an increase of 4 percentage points from the prior year’s survey. The most common way that consumers use mo-bile banking is checking their account balances or recent transactions, fol-lowed by transferring money between accounts. More than half of mobile banking users received an alert from their financial institution through a text message, push notification, or e-mail--making this the third most com-mon use of mobile banking. For those who have adopted mo-bile banking, use of a mobile phone appears to complement their use of other banking channels. Among mo-bile banking users with smartphones,

54% cited the mobile channel as one of the three most important ways they interact with their bank. This share is below those that cited online (65%) and ATM (62%) as most important, but slightly above the share that cited a teller at a branch (51%). Use of mobile payments contin-ues to be less common than use of mobile banking. Twenty-four percent of all mobile phone users, and 28% of smartphone users, made a mobile payment in the 12 months prior to the survey. For smartphone owners who reported making payments with their phones, the most common types of mobile payments were paying bills, purchasing a physical item or digi-tal content remotely, and paying for something in a store. Use of mobile financial services varies across demographic groups. For particular groups of respondents to the 2015 survey--such as younger adults, Hispanics, and non-Hispanic blacks--the shares who reported us-ing mobile banking and mobile pay-ments were higher than the overall

survey averages. Smartphone owner-ship among those with mobile phones is higher for Hispanics than for non-Hispanic whites in this survey. Consistent with findings from prior years, a majority of consumers using mobile banking and mobile payments cite convenience or getting a smart-phone as their main reason for adop-tion. The main impediments to the adoption of mobile financial services continue to be a stated preference for other methods of banking and making payments, as well as concerns about security. Concerns about the security and pri-vacy of personal information continue to be expressed by mobile phone us-ers, and the majority of smartphone users reported taking actions that can reduce harm in case of a security inci-dent. The most common actions were installing updates, password-protect-ing the phone, and customizing pri-vacy settings. The survey was conducted on behalf of the Board by GfK, an online con-


American Bank of Commerce (ABC Bank), based in Wolfforth with offices

in Lubbock and Addison, recently hired Sammie Jo-seph as vice presi-dent and commer-cial loan officer in Austin. Joseph joins ABC Bank from Inde-pendent Bank in Austin, where he

served as vice president in commer-cial finance, business development,

P E O P L E TEXAS

Harkey, Boyce, Humphries, Gage Promoted, Longview

Harkey

According to an announcement by Rogers Pope, bank chairman, Tex-

as Bank and Trust Company, Longview, has promoted Chad Harkey to vice president and Bank Secrecy Act/Anti-Money Laun-dering/OFAC com-pliance manager. Jenifer Boyce

was promoted to administrative of-ficer and operations manager in the Gladewater branch. Angie Humphries was promoted to administrative offi-cer and mortgage coordinator in the Marshall location. Tammy Gage was promoted to community relations of-ficer in Longview. Harkey most recently served as as-sistant vice president in the bank’s risk management division. He holds a BA degree in political science from The University of Texas at Arlington and is a Certified Fraud Examiner and a Certified Anti-Money Laundering Specialist. Prior to joining Texas Bank and Trust in 2012, he was employed with JP Morgan Chase Bank. Boyce has been employed by the bank in its Gladewater branch since 2010. She has worked as a teller and lobby representative, and in 2013 was promoted to operations supervisor. She earned a legal assisting degree from Kilgore College. Prior to joining Texas Bank and Trus, she worked as a licensed realtor in Tennessee. Humphries joined Texas Bank and Trust in its Marshall location in 2000. She has worked as a teller, new ac-counts representative, and consumer loan assistant. She currently assists the branch president with commer-cial, consumer, and mortgage loans. Gage has been employed by the bank since 1990 and currently over-sees the bank’s financial literacy pro-grams for all markets. She teaches financial literacy at Longview Com-munity Ministries and serves as an ambassador for the Longview Cham-ber of Commerce Q

and credit management. Joseph holds a bachelor’s degree in economics from The University of Tex-as at Austin and an MBA degree from Baylor University’s Hankamer School of Business. He is a member of the well-known Joseph family which owns real estate and food service businesses in Austin. He serves in his community as a fund raising volunteer at The Rise School of Austin, a member of the Austin Board of Realtors since 2004, and as a Little League coach for the West Austin Youth Association Q

Joseph

American Bank of Commerce in Austin Names Joseph Vice President and Commercial Loan Officer

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Financial Services LLC, one of the na-tion’s largest Jackson Hewitt franchis-es. He earned a bachelor’s degree in

finance and a Juris Doctorate, both from the Univer-sity of Arkansas, where he played on the varsity golf team. Miller, EVP and CFO of First National of Bro-ken Arrow, has 22

years of banking and 12 years of pub-lic accounting experience. Before join-ing the bank, she held senior financial management positions at Summit Bank and Bank South, both in Tulsa. She is the first person to hold the CFO title at First National of Broken Arrow. First National is the oldest family-owned bank originated in Tulsa Coun-ty, opening in 1902 in what is now downtown Broken Arrow Q

P E O P L E

FNBC Bank President/CEO Marty Sel-lars has announced the hiring of a

team of four com-munity bankers to join the existing team in the Moun-tain Home mar-ket. The new hires include Shane Davis, senior vice president and commercial lend-er; Debbie How-

ard, vice president, mortgage and consumer lender; Cheryl Chappell, consumer lender and mortgage pro-cessor; and Christine Lewis, commer-cial loan processor. Prior to joining FNBC Bank, all four were employed at Centennial Bank in Mountain Home. FNBC’s Mountain Home office, 102 Hwy. 62 E, is led by Community Presi-

dent, EVP/chief lending officer Chad Hudson. Sellars said, “They bring over 70 years of com-bined banking experience (com-mercial and mort-gage lending), but of even more value to our or-

ganization is their level of leadership and commitment to their customers and communities.” Davis brings over 20 years of bank-ing experience He has worked primari-ly with commercial and small business customers. He began his banking ca-reer in Mountain Home in 1995. A na-tive of Little Rock, Davis has become engrained in the Mountain Home and Baxter County community. He serves on the Mountain Home Volunteer Fire Department, is the Mountain Home Fire Department Auxiliary President. He is a graduate of the University of Arkansas in Little Rock. Howard brings over 35 years of expe-rience in lending. Hudson said, “She has been instrumental in the startup of several mortgage lending depart-

ments in other financial institutions in the area.” Howard graduated from the American Bankers Association’s Lending School and is a charter mem-ber of the Gassville Lions Club. Chappell has over 30 years banking experience. She most recently served as an assistant to senior-level credit officers. Lewis, a native of Mountain Home, has 15 years of banking experience as a commercial loan assistant. She holds a BBA degree in finance from the University of Central Arkansas. FNBC Bank is a $375 million-asset community bank headquartered in Ash Flat. The Mountain Home office holds $32 million in assets Q

MillerDavis

Howard

Four Bankers Join FNBC Mt Home Team

Wing and Miller Join Board for First NB&T, Broken Arrow

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P E O P L E

Mike Hendricks, vice president of the Citizens Bank of Clovis, has been named “Ag Lender of the Year” by the Independent Community Bankers As-sociation of New Mexico (ICBA/NM). Hendricks was recognized at the conclusion of the 2016 Ag Lenders Conference which was held in Silver City March 24 and 25. Hendricks was presented with a plaque by Chris Thomas, senior vice president of the Bank of Clovis, who served as chairman of the 2016 Ag Lenders Conference. Hendricks has served with the Citi-zens Bank of Clovis since early 2015. In addition to serving as an ag lending officer, he also oversees and manages the Fort Sumner branch. Hendricks began his lending career with the Farmers Home Administra-tion in 1985 and, following the reor-

ganization of the USDA’s FHA program into the Farm Service Agency, was

named farm loan manag-er for Chaves, Eddy, Lea, Lincoln, and Otero coun-ties. In 1996, Hendricks en-tered banking at the First National Bank of Artesia during which time it was renamed First American Bank. He was named se-

nior vice president and chief agri-cultural lender. He became market president for Artesia National Bank, a branch of First National Bank in Al-amogordo, in 2012, a position he held until joining the Citizens Bank of Clo-vis. Hendricks is a graduate of Texas Tech University where he received a BS in agricultural economics degree with an emphasis on ranch manage-ment. He is also a graduate of the Western States School of Banking Q

Christopher Keene, president of Busi-ness First Bank’s New Orleans market, recently announced the opening of a loan production office in Metairie. Keene, former SVP and West Bank Regional Manager for First Bank, brings nearly 20 years of banking and financial experience. He holds a BBA degree from the University of Missis-sippi. He serves as the President of the UNO Privateer Athletic Founda-tion and is a member of the Harvey Canal Industrial Association In addition, Christopher Palermo joins as SVP, commercial banker; Bry-an Pastor as vice president, commer-cial banker; and Tasha Palermo as commercial loan assistant. Christopher Palermo and Pastor both hold BSBA degrees from the Uni-versity of New Orleans. Both bankers bring over 15 years of experience in New Orleans-area banking, lending, and customer relations Q

L: Thomas, R: Hendricks

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First Bank create a unique identity in the markets they currently serve and to better po-sition the bank for expansion and growth. “In North-west Arkansas there are a lot of banks with similar

names,” Harrell stated. “We wanted a name that would stand out and at the same time it was important to us to not lose sight of our roots.” He continued, “Generations Bank was founded in 1907 as Calhoun County Bank by my great grandfather and his uncle. I represent the 5th gen-eration of our family in banking, and we are proudly serving our 5th and 6th generation of banking customers. We believe that Generations Bank is the perfect name for us, and we believe that name will take us into the next century.” “Generations Bank’s history is unique in and of itself. We were the only bank in Calhoun County to sur-vive the Great Depression. We were the first bank to open a branch in a grocery store and first to have a drive-through teller window in South Arkan-sas. In addition, some people might find it interesting to know we are the only bank in the United States that has been featured on “Ripley’s Believe it or Not” because we had a fence built around the bank in the early 1900’s to keep the livestock out. That’s definite-ly unique!”, Harrell added. First Bank reported $383 million in total assets as of December 31, 2015. The full-service community bank pro-vides an array of loan and deposit products for individuals and busi-nesses, as well as online and cash management services. It has nine lo-cations serving Hampton, Junction City, Camden and East Camden, Rog-ers, Siloam Springs, Van Buren, and Fayetteville. New signage at the nine locations was available on April 4. The bank’s new website URL is www.mygenerationsbank.bank Q

N E W S W A T C H

First Bank, the wholly-owned sub-sidiary bank of Harrell Bancshares Inc. headquartered in Camden, has an-nounced that First Bank has rebranded and changed its name to Generations Bank. Customers can see the new signage and rebranding at

each of its nine banking locations. According to Jon Harrell, chair-

man, this is a name change only. The own-ership, management, and staff of the bank will remain the same.

Harrell stated the decision to change the name was made to help

First Bank Rebrands to Generations Bank for Identity and Future Growth

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On March 30, Spirit of Texas Bank SSB (“Spirit of Texas”), College Station,

and PlainsCapital Bank (“PlainsCapi-tal”), Dallas, an-nounced the sign-ing of a Purchase and Assumption Agreement that provides for Spirit of Texas to acquire The Woodlands branch office of

PlainsCapital located at 1525 Lake Front Cir., Spring. Dean O. Bass, chairman/CEO of Spir-it of Texas Bank, said, “This is a wonder-ful opportunity for Spirit of Texas Bank to further expand our banking franchise in The Woodlands area and increase the strength and capabilities of our banking organization. We look forward to the opportunity to serve our new Spirit of Texas customers with the benefit of an extensive line of financial products and services as well as the continued service of a highly professional team of experienced bankers.” Under the terms of the agreement, the transaction is subject to regula-tory approval and is expected to close during the second quarter of 2016.

N E W S W A T C HTEXAS

PlainsCapital acquired the branch from the FDIC through P&A agree-ment involving the failed First Nation-al Bank, Edinburg, in September 2013. Spirit of Texas operates 14 bank-ing centers in Houston, Dallas, Fort Worth, Conroe, The Woodlands, Tom-ball, Grapevine, Colleyville, Stafford, Clear Lake, and College Station. Spirit of Texas two banking centers in The Woodlands are at 6886 Wood-lands Pkwy. and 16610 I-45, which was acquired from the FDIC when Texas Community Bank, N. A., failed in De-cember 2013 Q

Prosper Bank to Merge With Texas Bank, Henderson

Spirit of Texas Bank, College Station, Announces the Acquisition of PlainsCapital Bank’s The Woodlands Branch

Bass

Prosper Bank, a more than 112-year-old community bank based in Collin County, plans to merge with its sister bank, Texas Bank, Henderson, accord-ing to an application filed in March with the Texas Department of Banking. The banks are members of Henderson Texas Bancshares Inc., Henderson, which reported over $350 million in assets at December 31, 2015. Prosper Bank, with $83 million in as-sets, operates two offices, one each in Prosper and Frisco, both rapidly grow-ing cities north of Dallas Q

FDIC Rescinds De Novo Time Period, Welcomes Applications

REGULATORS

C

M

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CM

MY

CY

CMY

K

DK 2014 Ad Quality - PMB.pdf 1 5/5/2014 10:13:05 PM

The Federal Deposit Insurance Cor-poration (FDIC) on April 6 rescinded Financial Institution Letter (FIL) 50-2009, Enhanced Supervisory Proce-dures for Newly Insured FDIC-Super-vised Depository Institutions. The FIL, among other measures, extended the de novo period for newly organized, state nonmember institu-tions from three to seven years for examinations, capital maintenance, and other requirements. It was issued against the backdrop of an elevated number of newly insured institutions that had either failed or had been identified as problem banks during the financial crisis of the last decade. Since the issuance of the guidance, the FDIC has adopted regulations and guidance that apply to all supervised institutions to strengthen their resil-iency and risk-management practices. Further, the FDIC has enhanced its programs and procedures through a more forward-looking approach to su-pervision. Collectively, the processes and guidance address the supervisory objectives of the 2009 FIL. “The entry of new banks has helped to preserve the vitality of the community banking sector over time,” FDIC Chair-man Martin J. Gruenberg said on April 4 at a conference hosted by the FDIC to discuss community banking. “De novo institutions fill important gaps in our local banking markets, providing credit and services to communities that may be overlooked by larger institutions. The FDIC welcomes applications for deposit insurance.” Also on April 4, the FDIC issued a sup-plement, (FIL) 24-2016, to its November 20, 2014, through (FIL) 56-2014 guidance related to the Statement of Policy on Applications for Deposit Insurance. The guidance is in a Q & A format to aid ap-plicants who are developing proposals/business plans for deposit insurance. Relating to the FDIC recension, the ICBA said in a statment it “has strong-ly urged the FDIC to review its prac-tices and return to the three-year de novo review policy to ensure it is not unnecessarily inhibiting new bank for-mation.” Stay tuned! Q


R E G U L A T O R S

C h a r t e r

a c t i v i t yArkansasCHARTERS The ARKANSAS STATE BANK DEPARTMENT has approved an ap-plication by Simmons First National Bank, Pine Bluff, for a charter conver-sion to be known as Simmons Bank, Pine Bluff. The ARSBD has received an appli-cation by Bear State Bank, N. A., Little Rock, for a charter conversion to be known as Bear State Bank, Little Rock.BRANCHES The ARSBD has approved an appli-cation by Merchants & Farmers Bank, Dumas, for a temporary location at 4500 Hwy. 5 N., Ste. 6, and permanent loca-tion at 3512 Hwy. 5 N., both in Bryant. The ARSBD has filed an applica-tion by First Security Bank, Searcy, for a branch relocation from 2630 Citi-zens Dr. to 2710 E. Mission Rd., Fay-

etteville. The ARSBD has filed an application by Merchants & Planters Bank, New-port, for a branch at 3081 Harrison St., Batesville.MERGERS AND ACQUISITIONS The ARSBD has given preliminary approval to an application by Janice A. Hendrix, trustee of the Janice A. Hendrix Revocable Trust, Horatio, to acquire 25% or more of the stock of Pioneer Bancshares Inc., Horatio, the parent of Horatio State Bank.OklahomaCRA PERFORMANCE The FEDERAL DEPOSIT INSUR-ANCE CORPORATION has reported Outstanding CRA ratings in the April 2016 list of banks examined for CRA compliance for the following: Bank of Commerce, Stilwell, and The First State Bank, Ryan.TexasBRANCHES The TEXAS DEPARTMENT OF BANKING has received an application by Commercial State Bank, El Campo, for a branch at 24080 U.S. Hwy. 59 N., Houston. The FEDERAL RESERVE

BANK OF DALLAS has received an application for this branch. The TXDB has received an applica-tion by Comerica Bank, Dallas, for a branch relocation from 4849 Greenville Ave. to 5302 Greenville Ave., Dallas.CRA PERFORMANCE The FDIC has reported Outstand-ing CRA rating in the April 2016 list of banks examined for CRA compliance for Southside Bank, Tyler. MERGERS AND ACQUISITIONS The FRB OF DALLAS has received an application by WestStar Bank, El Paso, to acquire by merger First Na-tional Bank, Fabens, and to establish the seven locations of the acquired in-stitution as branches of WestStar Bank (the TXDB has received an applica-tion for this merger); and received an application by WestStar Bank Holding Company Inc., El Paso, to acquire by merger 100% of First Fabens Bancor-poration Inc., and indirectly, First Na-tional Bank, both of Fabens. The TXDB has received an applica-tion by Star Bank of Texas, Lake Worth, to merge into Community National Bank & Trust of Texas, Corsicana Q


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C L A S S I F I E D employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability, or protected veteran sta-tus.”

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 bach-elor’s degree in business or ag busi-ness/economics and have at least 10 years of agricultural lending ex-perience. Individual must possess strong business development skills. Prior management and leadership skills a plus. We offer a competitive salary & great benefits package. Qualified candidate please forward resume to [email protected] or apply online at www.firstunited.net.

First National Bank of Moody, Tex-as, a small family-owned community bank in Central Texas has an im-mediate opening for the position of CHIEF LENDING OFFICER. Position requires a bachelor’s degree, formal credit training, and not less than six years of community bank lending experience. The CLO must be able to originate, manage, and grow his/her loan portfolio while managing and growing the bank portfolio. Po-sition will supervise and oversee all areas of the lending function with a staff of 4 individuals. Must live within the bank’s primary service area or be willing to relocate. Flu-ency in conversational Spanish will be given preference. Email resume to [email protected]

Texas Hill Country Bank, Kerrville, TX, is seeking a COMPLIANCE OF-FICER with current knowledge of banking regulations plus 3-5 years compliance oversight experience. Submit resume to [email protected].

Bank of Oklahoma - experienced COMMERCIAL BANKER in Tulsa. Qualified candidates will have an existing book of business and an

established network which will provide a solid platform to hit the ground running and to get paid on that book for a second time. If you are looking to broaden your scope of deals and increase your revenue target up to $40M, this will be a great opportunity for the next step in your career. Contact Aimee at [email protected].

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

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sumer research firm. The 2015 survey was conducted from November 4-23, 2015. More than 2,500 respondents completed the survey. The 2016 report and a video sum-marizing the survey’s mobile financial services findings may be found at: http://www.federalreserve.gov/communitydev/mobile_finance.htm. The Board conducts medium- and long-term original research on a broad range of payments topics to in-

MOBILE BANKING (continued from Page 3) form policymakers, the industry, and the public, and to contribute to the academic literature in economics and finance. Research may involve theo-retical and/or empirical analysis of payment system design; risk manage-ment in large-value payment systems; trends in the use of various forms of payment such as cash, checks, credit and debit cards; the relationships among various payment and settle-ment systems; and technological in-novation in the provision of payment and settlement services Q

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