skarda is president/ceo, brown tapped evp/chief herring

Onebanc, Little Rock, AR, has an-nounced the appointment of Larry R. Brown as execu-tive vice president, chief credit offi-cer, and a director of One Bank and Trust, N. A. Jerry Pavlas, CEO, said, “Lar-ry’s appointment, combined with Jim Schnoes’s instal-lation as chief financial officer and director, completes the re-staffing of our executive leadership team.” Brown, a native of Little Rock, at-tended University of Arkansas at Little Rock and is a graduate of the South-western Graduate School of Banking at SMU. He previously served as EVP at Bank of Little Rock. Onebanc's board hired Pavlas in late 2012 after the OCC ordered the removal of Layton "Scooter" Stuart as president/CEO in September 2012. Pavlas has rebuilt the $475 million-asset Onebanc’s executive team with the hiring of Brown and Schnoes Q

cessor Capital One in 2010 and joined Whitney Bank, where he was ranked as the top producer among all Whitney commercial lend-ers in 2010 and 2011. Gennaro, a Me-tairie native, is a graduate of the University of New Orleans. Metairie Bank is a $351MM-asset community bank Q

Herring Bank, Amarillo, TX, has an-nounced the hiring of career banking executive Danny Skarda as presi-dent/CEO, effec-tive May 1. Skarda’s 25-year banking career includes most re-cently serving 10 years as president/CEO of Rocky Mountain Bank in Billings, MT. In addition, he has held leadership positions at three NM banks: American National Bank in Silver City, First Interstate Bank in Ro-swell, and United New Mexico Bank in Hobbs. A Clovis, NM, native, Skarda holds a BBA degree in finance from Eastern New Mexico University in Portales. He has served on boards for various orga-nizations in MT. Herring Bank, established in 1899 in Vernon, reports total assets of $512 million and total deposts of $454 mil-lion, according to the FDIC Q

Volume 142, No. 22June 10, 2013

In This Issue...FDIC-Insured Institutions Report Earnings of $40.3 Billion in 1st QFeature..............................................3

Seymour, TX, Bank Converts.......7

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

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

Please route this issue:

www.bankersdigest.com

Skarda Is President/CEO, Herring Bank in Amarillo

Published weekly on Mondays except fifth Mondays

Skarda

Gennaro

Brown

Brown Tapped EVP/Chief Credit Officer, Onebanc

Howell Named Pres/CEO, Marion State Bank in TX

Metairie Bank Taps Gennaro Top Commercial LenderMetairie Bank & Trust Co., Metairie, LA, has announced the appointment of Michael “Mike” A. Gennaro to chief commercial lending officer, ac-cording to CEO Ron E. Samford Jr. He serves at the main office at 3344 Me-tairie Rd. in Metairie. Gennaro has over 25 years of local banking experience having begun his career with Hibernia National Bank in 1988 as a credit analyst. While at Hi-bernia, he rose to become director of new business development and port-folio manager. He left Hibernia’s suc-

Longtime Marion State Bank employ-ee and former EVP Cathy Zipp Howell has been named to succeed Douglas T. (Doug) Mikus as president/CEO. Mikus, who served as president of the bank since 1996, retired on May 31 but will continue to serve as a member of the bank’s board of directors. Howell joined the bank in 1976 af-ter her high school graduation. She is the bank’s first woman president in its 107 years of serving customers in Marion and Guadalupe County. She began as a proof operator/teller and rose through the ranks after a series of promotions. She serves on the bank’s board of directors. She is a graduate of the Southwestern Graduate School of Banking at SMU. “Doug has led the bank during a pe-riod of impressive growth,” says Todd R. Staats, a member of the bank’s board and son of the late Gilbert J. Staats, who served as the bank’s presi-dent between 1967 and 1996 when he retired. Mikus followed Staats as pres-ident when Staats moved to chairman/CEO, and later added the CEO title Q

BANKERS DIGEST June 10, 2013

Scott Heitkamp, president/CEO of Val-ueBank Texas, Corpus Christi, has an-

nounced the hir-ing of Seth Watts as CFO and ex-ecutive vice presi-dent. Watts has more than 20 years of banking experi-ence. He recently served as CFO/COO for Valliance

Bank in McKinney. Watts graduated from Southeast-ern Oklahoma State University with a BBA degree in finance and an MBA de-gree. He holds Certified Management Accountant and Certified Financial Manager designations. He has been active in his commu-nity by serving as a volunteer leader for the Boy Scouts of America and a member of Kiwanis and the Jaycees Q

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 2013 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

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In connection with the completion of its April 2013 IPO, Independent Bank

Group Inc. of McKinney, the holding company of Independent Bank, ap-pointed Torry Berntsen as president

and COO. David Brooks, chairman/CEO, made the an-nouncement. Berntsen, who has more than 30 years of bank-ing and financial experience, has served as a mem-ber of the banking

organization’s board of directors since 2009. He was part of the implementa-tion of the company’s strategic growth initiative, as well as the IPO process. Berntsen served 25 years at The Bank of New York Mellon in various senior management roles, including executive positions in client man-agement, capital markets, and ALCO committee. Since 2009, he served as vice chairman of Virtu Management LLC, a NYC private family manage-ment company. He has served on the board of directors for certain portfolio companies of Virtu. Independent Bank operates 30 banking offices in 26 communities in

the D/FW Metro and the greater Aus-tin areas. As of March 31. 2013, the bank reported total assets of $1.764 billion, total loans of $1.422 billion, and total deposits of approximately $1.415 billion Q

June 10, 2013 BANKERS DIGEST

F e A T U R e

Source: Federal Deposit Insurance Corporation

www.fdic.gov

INDUSTRY EARNINGSFDIC-Insured Institutions Earned $40.3 Billion in First Quarter of 2013

B D

FEATURE (continued on Page 12)

Commercial banks and savings in-s t i t u t i o n s insured by the Federal Deposit In-

surance Corporation (FDIC) reported aggregate net income of $40.3 billion in the first quarter of 2013, a $5.5 bil-lion (15.8%) increase from the $34.8 billion in profits that the industry re-ported in the first quarter of 2012. This is the 15th consecutive quarter that earnings have registered a year-over-year increase. Increased noninterest income, lower noninterest expens-es, and reduced provisions for loan losses accounted for the increase in earnings from a year ago. Half of the 7,019 insured institutions reporting fi-nancial results had year-over-year in-creases in their earnings. The propor-tion of banks that were unprofitable fell to 8.4%, from 10.6% a year earlier. FDIC Chairman Martin J. Gruen-berg said: “Today’s report shows fur-ther progress in the recovery that has been underway in the banking indus-try for more than three years. We saw improvement in asset quality indica-tors over the quarter, a continued in-crease in the number of profitable in-stitutions, and further declines in the number of problem banks and bank failures. However, tighter net interest margins and slow loan growth create an incentive for institutions to reach for yield, which is a matter of ongoing supervisory attention.” The average return on assets (ROA), rose to 1.12% from 1.00% a year ago. This is the highest quarterly ROA for the industry since the 1.22% posted in the second quarter of 2007. First quarter net operating revenue (net interest income plus total nonin-terest income) totaled $170.6 billion, an increase of $2.7 billion (1.6 percent) from a year earlier, as noninterest in-come increased by $5.1 billion (8.3%)

and net interest income declined by $2.4 billion (2.2%). The average net interest margin fell to its lowest level since 2006, falling to 3.27%. The larg-est decline was at large instititutions. SNL Financial, www.snl.com, said bankers anticipate continued margin pressure throughout the rest of 2013 since the Fed has signaled maintain-ing its low interest stance. Total noninterest expenses were $5.3 billion (3.9 percent) below the level of the first quarter of 2012. Banks set aside $11 billion in provisions for

loan losses, a reduction of $3.3 billion (23.2 percent) compared to a year ear-lier. Asset quality indicators continued to improve as insured banks and thrifts charged off $16.0 billion in uncollect-ible loans during the quarter, down $5.8 billion (26.7%) from a year earlier. The amount of noncurrent loans and leases (those 90 days or more past due or in nonaccrual status) fell by $15.7 billion (5.7%) during the quarter, and the percentage of loans and leases that


p e o p l eTeXAS

Fort Worth Banker McKown Retires After 42-Year CareerThe National Bank of Texas at Fort Worth has announced the retirement of Vice President Christine McKown. McKown worked in the Fort Worth banking community for 42 years and with National Bank of Texas for the last 12 years as lending officer in the Hurst location at 2080 Precinct Line Rd. During her career, she has served in both operations and lending. She

graduated from TCU with a BBA degree. In addition, McKown has been ac-tive in community affairs, serving the Northeast Richland Lions Club, the TCU Guild of the Colleges of Fine Arts and Communication, the St Thomas Women’s Organization, the former FW Chapter American Institute of Bank-ing, and River Oaks Area Business As-sociation Q

Terrazas Upped to Vice President, WestStar El Paso

Cromer Is Lending Officer, Texas Bank in Longview

WestStar Bank, El Paso, has reported the promotion of Joanne Terrazas to vice president. She joined WestStar in 2009 as branch manager of the 425 E. Redd Road location. She will continue to oversee all branch activities with a fo-cus on business banking and lending services. In addition to her 27 years of bank-ing experience, she also serves as a board member for Financial Women in Texas (State Association) and has served as president of Financial Wom-en in Texas (Paso del Norte Group) Q

According to Rogers Pope, chairman/CEO of Texas Bank and Trust Com-pany, Longview, Jonathan R. (“Jon”) Cromer has been promoted to lend-ing officer in the commercial lending division. Cromer joined the bank in 2012 as an investment analyst in its trust divi-sion and relocated to the lending di-vision in April. Prior to joining Texas Bank, he worked as a credit analyst with Citizens National Bank. He holds a BS degree in econom-ics and a BA degree in interdisciplin-ary studies, emphasis in pre-law, from The University of Texas at Arlington. He is an Eagle Scout and currently serves as the District Finance Chair for the East Texas Area Council, Boy Scouts of America. He is treasurer and board member for the Longview Sym-phony League and is a board member for One Hundred Acres of Heritage & Main Street Q

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Rob Barton, JD, MBA – Consultant

Mr. Barton has been advising community banks about Nonqualified Benefits and Bank Owned Life Insurance (BOLI) for nearly a decade. Previously, he practiced as an associate attorney for a law firm in Minnesota and also served as a Judicial Law Clerk of the Minnesota State Tax Court and the Hennepin County Fourth District. He has also spoken at various banking conferences on the topics of executive benefits, 409A and BOLI.

Lynn Hermes – Senior Reporting Analyst

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Todd Smith, EVP of trust & asset management at Farmers Bank & Trust,

Magnolia, was re-cently awarded the Certified Trust & Financial Advi-sor (CTFA) desig-nation from the American Bankers Association’s In-stitute of Certified Bankers (ICB).

He has served with Farmers Bank for more than five years and has 21 years of banking experience, including wealth management, execu-tive management, and regulatory su-pervision. He chairs the bank’s asset liability management committee Q

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Thomas Joins Yukon’s Bank of Commerce as Vice Pres

Magnolia Banker Smith Earns Advisor Certification

MidSouth Ups Olinger to First Vice Pres in Lafayette

Gildea to Lead FirstBank’s Newest Branch in Goodyear

Trent Named VP of RCB’s Downtown Ok City Branch

Bank of Commerce has hired J. Charles Thomas as vice president at the 2500 S. Cornwell Dr. location in Yukon. Thomas most recently served with Bank of Hydro and has over 14 years of financial industry experience. He holds a bachelor’s degree from Oklahoma State University and attended the OBA Lending and Compliance Schools Q

Leslie Olinger, who has served as AVP and manager of Lafayette-based Mid-South Bank’s consumer credit depart-ment since 2008, has been promoted to first vice president. Olinger and her staff evaluate all consumer and small business loan ap-plications for the bank’s 60 locations. Olinger, who has 24 years of bank-ing experience, has served with Mid-South for 17 years, joining as a com-mercial loan assistant. She holds a bachelor’s degree in finance from LSU and an MBA degree from UL Lafayette Q

Claremore’s RCB Bank has named Jim Trent vice president at the downtown Oklahoma City office at 701 N. Broadway. Trent has 10 years of banking expe-rience serving small business owners. He is a graduate of the University of Oklahoma and the OBA Leadership/Management Program. He serves on the board for the Bricktown Rotary Club Q

FirstBank Arizona recently opened a branch in Goodyear at 1559 N. Litch-field Rd. and named Vice President RJ Gildea branch manager. Kevin Clas-sen, West Valley market president, made the announcement. The new Goodyear branch, First-Bank’s 12th in AZ, joins two others in the West Valley. The bank entered the AZ market in 2007 with one location Q


N e W S W A T C HTeXAS

The First National Bank of Seymour, headquartered in Seymour in Baylor County, was issued a state bank char-ter by Texas Banking Commissioner Charles G. Cooper, effective May 31. The bank will continue to be a mem-ber of the Federal Reserve System. As a result of the conversion, the former national bank changed its name to First Bank & Trust. The bank, a member of multi-bank holding company, Baylor Bancshares Inc., has assets of $48.3 million and has provided financial services to its customers since it was established in 1890. The bank has 10 employees and one branch in Matador Q

Regulators Gilbert Barker Comptroller of the Currency

Charles Cooper Texas Department of Banking

Kristie Elmquist FDIC Ann Worthy Federal Reserve Bank of Dallas Bankers Kevin Monk Alliance Bank

Robert Hulsey American National Bank of Texas Patrick Gray TIB-The Independent BankersBank Lyle Walden TIB-The Independent BankersBank Louis Ehlinger Texas Heritage Bank

Advisors Randall James Randall S. James & Associates, Inc. Dennis Simmons SWACHA

S. Scott MacDonald Director – SMU Brad Olson Olson Research Associates, Inc. Keith Seibold FDIC - Retired BOI Management Jay Phillips Cerfis Group, Inc. Julie Courtney, CAE, CMP IBAT Education Foundation Mary E. Lange, CAE IBAT Education Foundation

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First Financial Bankshares Closes Orange Savings DealFirst Financial Bankshares Inc., Abilene, announced May 31 that it has completed the acquisition of Orange Savings Bank, SSB, Orange, expand-ing $4.5 B-asset First Financial’s bank-ing operations into a 12th TX region. First Financial now operates 61 loca-tions that span from Hereford in the Panhandle to Orange in southeast TX. First Financial acquired Orange Savings Bank for a combination pur-chase price of $39.2 million in cash and 420,000 shares of First Financial common stock. As of March 31, 2013, Orange Savings Bank had total assets of approximately $437.8 MM, total loans of approximately $294.9 MM, and total deposits of approximately $379.6 MM. F. Scott Dueser, chairman and president/CEO of First Financial Bankshares, said in a new release, “We are most impressed with the em-ployees, officers, management and board of this quality bank, who share our same values, philosophies and commit-ment to outstanding customer service. Or-ange Savings Bank has experienced solid growth in assets and earnings, is the num-ber one bank in its home market of Orange County with a 40 percent deposit market share, and has excellent growth potential in the Beaumont/Port Arthur markets.” Stephen Lee serves as president/CEO of Orange Savings Bank 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 y

The Wisconsin Department of Finan-cial Institutions closed Banks of Wis-consin, Kenosha, on May 31, and ap-pointed the FDIC receiver. The FDIC entered into a P&A agreement with North Shore Bank, FSB, Brookfield, WI, to assume all of the deposits and to purchase approximately $97.4 MM of the failed bank’s assets. The failure is the 14th FDIC-insured institution to fail in the nation, the first in WI, in 2013 Q

WI Bank Fails; Total YTD 14

ArizonaBRANCHES The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has re-ceived applications by First National Bank Texas, Killeen, for First Conve-

nience Bank branches: 2840 Hwy. 95, Bullhead City; 3396 Stockton Hill Rd., Kingman; and 2020 N. 75th Ave., Phoenix.ArkansasMERGERS AND ACQUISITIONS The OCC has received/approved an application by First National Bank in Green Forest to P&A the 1401 Hwy. 62-65 North location in Harrison of First Federal Bank, Harrison.New MexicoBRANCHES The OCC has received an application

by First National Bank Texas, Killeen, for First Convenience Bank branch at 233 S. New York Ave., Alamogordo.OklahomaBRANCHES The FEDERAL RESERVE BANK OF KANSAS CITY has received a Notifi-cation by Ann E. Freeman, Texhoma; the John L. Freeman 2012 Trust, Guy-mon, Jacqueline Freeman, Texhoma, trustee; all as members of the Free-man family control group, to acquire control of Texhoma Bancshares Inc., parent of Anchor D Bank, both in Texhoma.TexasBRANCHES The OCC has received an application by Bank of America, N. A., Charlotte, NC, for a branch at 12524 N. Beach St., Fort Worth. The OCC has received an applica-tion by Guaranty Bond Bank, N. A., Mount Pleasant, for a branch at 2700 Earl Rudder Fwy., Ste. 100, College Station. The OCC has received an applica-tion by Inwood National Bank, Dallas, for a branch at 599 E. I-30, Rockwall. The OCC has received applications by JPMorgan Chase Bank, N. A., Colum-bus, OH, for branches: the intersection of Fannin and Braeswood, Houston, and 500 W. Wall St., Midland. The OCC has approved an applica-tion by Inwood National Bank, Dallas, for a branch at 599 E. I-30, Rockwall. The OCC has approved an applica-tion by Capital One, N. A., McLean, VA, for a branch at the NEC of Berkman Dr. & Barbara Jordan Blvd., Austin. The TEXAS DEPARTMENT OF BANK-ING has approved an application by Southwest Bank, Fort Worth, for a branch at 5151 Beltline Rd., Ste. 600, Dallas Q

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FIRST TEXAS BANK is looking for a Lender/Leader for our Copperas Cove, TX Branch. We are a $250MM independent well capitalized Cen-tral Texas Bank. The successful candidate will have at least 5 years as a Loan Officer, strong analytical skills and proven leadership abili-ties. Competitive salary and bene-fits with a long time well established bank with a great reputation. Send resume to [email protected] or mail to First Texas Bank, P.O. Box 609, Killeen, 76540, Attn: Human Resources. EOE/AAP.

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sets, Accounts Payable, Training, and support Compliance Officer. Requirements: College Degree and a minimum of five years banking ex-perience. Bank offers a competitive salary; 401k, group insurance, and PTO. Please send all inquiries to Eddie Tucker, First State Bank Gra-ham, Fax 940-549-8886 or [email protected].

First-Lockhart National Bank is seek-ing a LOAN DEPARTMENT MANAG-ER. The ideal candidate will have a minimum of 10 years experience in banking and a college degree or equivalent. A competitive sal-ary with benefits of a matching 401K plan and health insurance are pro-vided. For more information, please visit www.firstlockhart.com or email [email protected].

Southwest Securities, FSB has an opportunity for a COLLATERAL SPE-CIALIST LEAD at our Dallas corpo-rate office. This position is respon-sible for monitoring the work load and flow of the Collateral Opera-tions group using the Loan Booking Log and making sure it stays current on a daily, weekly, and monthly ba-sis. The candidate should also have a working knowledge of the tradi-tional types of commercial, real es-tate, and consumer loan documen-tation requirements and how these documents work to secure the loans with various types of collateral. SWS Group is an Equal Opportunity Employer. Please email Sarah War-ren for more details or to submit a resume. [email protected].

Family owned bank seeking LOAN OFFICER. Experience preferred but will train right person. Agriculture knowledge preferred. Send resume to ACB Bank, PO Box 227, Chero-kee, OK 73728.

CONSUMER LOAN OFFICER: First Financial Bank is seeking a Con-sumer Lender for Stephenville, Texas. Candidate must have a mini-mum of 4 years experience with a thorough working knowledge and use of credit analysis and loan doc-umentation, and business develop-ment skills. Apply at www.ffinbank.com, job #13-0147. EOE/AAP.

C l A S S I F I e D MORTGAGE LOAN OFFICER: First Financial Bank is seeking a Mort-gage Lender for Stephenville, Texas. Candidate must have a minimum of 4 years experience. Candidate must have working knowledge of mortgage lending, laws/regulations procedures as well as other loan programs of-fered. Apply at www.ffinbank.com, job #13-0146. EOE/AAP.

MARKET PRESIDENT – SAN ANTO-NIO position available for a multi-state, well-capitalized financial in-stitution interested in growing its presence in the region. The candi-date should be a self-starter with previous management experience. Proven commercial lending expe-rience, strong credit skills and a business development mentality is required. Great opportunity for the right candidate. Competitive com-pensation and benefits package. Please send resume to [email protected], subject line Box J-1.

MARKET PRESIDENT for a prosper-ous, growing bank in an agricultural So. Texas community. Great oppor-tunity for a COMMERCIAL LENDER who enjoys a rural setting & getting involved in the community. Anne Wilson, The Wilson Group, [email protected], 361-883-3535.

EQUIPMENT FULLY OPERATIONAL BRANCH BANK available. Located on U.S. Highway 380 in Little Elm, Texas. Contact: [email protected].

FOR SALE: Opteva 750 – Advanced-function, Island Drive-Up ATM. ADA compliant. Contact 580-222-8080 for details.

For Sale or Lease: Modular Bank Buildings. Immediately available, 14’x66’ or 24’x66’. Texas coded fa-cilities. Banking equipment Includ-ed along with drive thru. Contact Clint Werts at 888-800-8866, [email protected].

BANKING EQUIPMENT NEW AND USED: x2 units, fireproof files-notes, le-gal and letter, Money safes. FLAIR SYS-TEMS, 800/468-1246, 214/340-3580.

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PERIODICAL

were noncurrent declined to the lowest level since 2008. Financial results for the first quar-ter of 2013 are contained in the FDIC’s latest Quarterly Banking Profile, which was released May 29. Also among the findings: Total loan balances posted a sea-sonal decline. Loan balances fell by $36.8 billion (0.5%) in the first quar-ter, as credit card balances declined by $35.9 billion (5.2%). Balances also fell in home equity lines (down $16.0 billion, or 2.9%), other 1-4 family resi-

dential real estate loans (down $18.3 billion, or 1%), and agricultural pro-duction loans (down $7.2 billion, or 10.7%). The declines in credit card balances and agricultural loans re-flect seasonal factors. Loans to C&I borrowers increased by $24.8 billion (1.6%), while loans to depository insti-tutions rose by $17.5 billion (17.2%). For the 12 months through March 31, total loan and lease balances were up by $247.7 billion (3.3%). The end of temporary unlimited deposit insurance for noninterest-bearing transaction accounts at year-

end 2012 did not lead to large deposit outflows. Total deposits increased by $1.8 billion (0.02%), as deposits in domestic offices fell by $20.5 billion (0.2%) and foreign office deposits rose by $22.3 billion (1.6%). Noninterest-bearing transaction deposits with balances greater than $250,000 fell by $74.9 billion (4.3%) during the quarter. Balances in these accounts that were over the $250,000 basic FDIC coverage limit declined by $70.3 billion (4.6 %). According to James Chessen, American Bankers Association chief economist, “Bank capital continues to grow in both quality and quantity, and it remains at near-record levels....Regulators have categorized over 97 percent of banks as well-capitalized, which means their capital levels are at least 25 percent higher than mini-mum standards. Total industry capital is now over $1.6 trillion...” The number of problem banks continued to decline. The number of banks on the FDIC’s “Problem List” declined from 651 to 612 during the quarter. Four FDIC-insured institu-tions failed in the first quarter, the smallest number since the second quarter of 2008 when two institutions were closed. Thus far in 2013, there have been 13 failures, compared to 24 during the same period in 2012. The Deposit Insurance Fund (DIF) balance continued to increase. The DIF balance — the net worth of the fund — rose to $35.7 billion as of March 31 from $33.0 billion at the end of 2012. Assessment income was the primary contributor to growth in the fund balance Q

The complete Quarterly Banking Profile is available at http://www2.fdic.gov/qbp on the FDIC Web site.

Industry Earnings (continued from Page 3)

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