J. Pat Hickman, chairman/CEO of Happy State Bank & Trust Co., Happy,

TX, announced the hiring of David McCullough and J. Alan Eubank as senior vice presi-dents and of Bran-don Harrison as an assistant vice president. McCullough was

hired as head of in-formation technology. He has over 16 years experience in IT. Previously, he led the IT division and managed a staff of 19 employees at a bank in Los Alamos, NM. He graduated from Mid-western State Uni-versity in Wichita Falls with a BBA degree in manage-ment information systems. Eubank serves as a commercial lender in Pampa. He graduated from Texas Tech University with BS degree in agri-cultural economics and finance. He is currently president of the Pampa Ro-tary Club. Harrison serves as a commercial loan officer in Plainview. He gradu-ated from Texas Tech University with a BS degree in agriculture economics Q

Volume 139, No. 10March 7, 2011

In This Issue...FDIC-Insured Institutions’ Earnings for Fourth Quarter and Year 2010 Continue Positive Trends Feature...........................................3

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

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

Please route this issue:

www.bankersdigest.com

McCullough and Eubank Are SVPs, Happy State

Carter Is Division Pres For Centennial Bank

Eubank

ICBA Convention Kicks Off in San Diego, CA

Davy Carter has been named divi-sion president for Centennial Bank,

h e a d q u a r t e r e d in Conway, AR. Carter will office in Cabot, AR, ac-cording to Tracy French, regional president. Carter’s market will include Beebe, Cabot, He-ber Springs, Jack-

sonville, Mountain View, Searcy, Ward, and the FL Pan-handle. Carter is a graduate of Arkansas State University in Jonesboro with a bachelor’s degree in finance. In addi-tion, he is a alumnus of the Graduate School of Banking at LSU in Baton Rouge and holds a J.D. degree with honors from the University of Arkan-sas School of Law in Little Rock. Carter is also the state representa-tive for District 48, where he is the cur-rent chair of the House Revenue and Tax Committee in the Arkansas House of Representatives Q

The Independent Community Bankers of America (ICBA) kicks off its annual convention in San Diego on March 20 and runs through the 24th. Session headliners include key figures in the financial world, including Fed Chair-man Ben Bernanke, FDIC Chairman Sheila Bair, Acting Comptroller of the Currency John Walsh, and Assistant to the President and Special Advisor to the Secretary of the Treasury on the Consumer Financial Protection Bu-reau Elizabeth Warren. Over 60 workshops spread over three days focus on hot topics such as “Mortgage Lending & Technology,” “Mortgage Reform,” and ...”How Dodd-Frank Will Impact You!” “The Business Climate for Agriculture,” and “Troubled and Failed Bank Acquisition.” Exhibitors in the ICBA Techworld Exhibit Hall will be on hand to intro-duce attendees to the latest innova-tions in banking technology. Co-hosts of MSNBC’s “Morning Joe” show Joe Scarborough and Mika Brzezinski, and author of Lone Survivor Marcus Luttrell are featured speakers at the general sessions Q

McCullough Carter

Alliance Bank of Arizona, Phoenix, has announced the promotion of Steve

Curley to senior vice president and director of special-ty lending. Curley joined Alliance Bank in 2009. He was for-merly president of Community Bank of Arizona and ex-

ecutive vice president of First National Bank of Arizona. He is a graduate of Trinity College and earned an MBA degree from The Tuck School of Business at Dartmouth College Q

Curley Promoted at Alliance Bank of AZ

Curley

Page 2 BANKERS DIGEST March 7, 2011

p e o p l e TeXAS

Mantzey Tapped SVP, Legend Bank Bowie

Bankers Digest®

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PlainsCapital Bank has announced the hiring of Bill Coats as senior vice

president and se-nior mineral man-ager and of Rusty Stehr as senior vice president and senior oil and gas loan officer. Coats will be responsible for managing oil and gas properties

within the wealth management group at the Camp Bowie location in Fort Worth. Prior to joining PlainsCapital, he served as vice president and trust asset manager for Wells Fargo Bank and served 20 years managing oil and gas assets at JPMorgan Chase & Co. He is a graduate of Baylor University with a BBA degree. Currently, Coats is a member of the American Association of Professional Landmen, Fort Worth Association of Professional Landmen, National As-sociation of Royalty Owners and is a Certified Mineral Manager. He is also a member of the Texas Bankers Asso-ciation asset management commit-tee.

Legend Bank, N.A., President/CEO Mickey Faulconer reported the hiring of Bill Mantzey as senior vice presi-dent and commer-cial workout officer. He has more than 17 years experi-ence in credit ad-ministration and working directly with loan manage-

ment and customers. Since 1993, his background includes loan collections, workout, underwriting, policy develop-ment, and portfolio management. Mantzey is a banking and finance graduate from Southwestern Okla-homa State University, Durant, OK, and a graduate of the Southwestern Graduate of Banking School at SMU. His civic and professional involve-ment includes Kiwanis Club and Certi-fied Commercial Investment Member (CCIM). Legend Bank has eight bank loca-tions with assets over $575 million. In 2010, the bank celebrated 120 years as a community bank Q

PlainsCapital Bank Appoints Coats and Stehr Senior Vice President in Fort Worth and Dallas

Stehr will be responsible for im-plementing the bank’s energy lend-

ing policies and growing the energy lending portfolio at the One Vic-tory Park location (2323 Victory Ave.) in Dallas. Prior to joining PlainsCap-ital, he served as senior vice presi-

dent at Dallas-based Sovereign Bank, overseeing its energy lending group and growing its energy portfolio to $140 million, and was formerly an energy lender at Bank of Texas, N.A., Dallas. Stehr earned a bachelor’s degree in business administration and busi-ness management from the University of Oklahoma and a Juris Doctorate de-gree from the University of Oklahoma College of Law. Currently, he serves as a youth group leader and life group leader at the Church on Rush Creek and as a Special Olympics volunteer. He is also a member of the Dallas Pe-troleum Club Q

Coats Stehr Mantzey

March 7, 2011 BANKERS DIGEST Page 3

F e A T U R e

Source:Press Release

Federal Deposit Insurance Corporationwww.fdic.gov

(continued on Page 12)

INDUSTRY EARNINGSFDIC-Insured Institutions’

Earnings for Fourth Quarter and Year 2010 Continue

Positive Trends

B D

FEATURE

Commercial banks and savings in-s t i t u t i o n s insured by the FDIC re-ported an ag-

gregate profit of $21.7 billion in the fourth quarter of 2010, a $23.5 billion improvement from the $1.8 billion net loss the industry reported in the fourth quarter of 2009. The industry reported an amended net income of $24.7 bil-liion in the third quarter of 2010. The fourth quarter profit is the sixth con-secutive quarter that earnings regis-tered a year-over-year increase. “Overall, 2010 was a turnaround year with four straight quarters of positive earnings,” said FDIC Chair-man Sheila C. Bair. “We are encour-aged not only by the rising trend in total industry net income, but also by the fact that a substantial majority of insured institutions are participating in this trend.” Almost two-thirds (62%) of all in-stitutions reported improvements in their quarterly income from a year ago. The average return on assets (ROA) for the industry rose to 0.65%, from a negative 0.06% a year ago. Al-though community banks’ aggregate ROA lags the ROA for larger institu-tions, as a group they are recovering, as most community banks reported higher earnings than a year ago. As has been the case in each of the past five quarters, reductions in provisions for loan losses were re-sponsible for most of the year-over-year improvement in earnings. Banks set aside $31.6 billion in the fourth quarter, slightly more than half the $62.9 billion set aside in the fourth quarter of 2009. In addition, net op-

erating revenue (net interest income plus total noninterest income) was $2.8 billion (1.7%) higher than a year earlier, and realized gains on securi-ties increased by $2.3 billion. Finally, asset quality showed further improve-ment as noncurrent loans and leases fell for a third consecutive quarter and chargeoffs were down $13 billion from a year earlier. For all of 2010, insured institu-tions earned $87.5 billion, the highest full-year total since 2007, when the in-

dustry earned $99.9 billion before the financial crisis hit the industry. More than two-thirds (67.5%) of insured in-situtions reported higher earnings in 2010, and the proportion of institu-tions reporting net losses for the year improved to 21% from 31% in 2009. However, upon closer examination of the industry earnings, the story of how the nation’s largest banks skew the earnings is revealed. According to the Associated Press, only a small frac-

Page � BANKERS DIGEST March 7, 2011

p e o p l e TeXAS

IBC Zapata CEO Ramirez Receives Leadership AwardRenato Ramirez, chairman and CEO of IBC Bank - Zapata, was honored with the 2011 Latino Leadership Award at the Mexican American Legislative Caucus (MALC) ¡Somos Texas! Gala on February 16 in Austin. Ramirez was honored for his personal and profes-sional contributions to bringing the Tejano Monument to the Texas State Capitol. In 2009, Gov. Rick Perry signed HB 4114 that authorized the placement of the monument on the capitol grounds. Ramirez provided significant financial support to fund the construction of the monument and was among the governor’s guests when the bill was signed. “Renato’s dedication to the com-munity is almost immeasurable,” said IBC Bank Chairman /CEO Dennis Nix-on. “His personal impact on regional development beyond his banking leadership includes a very generous philanthropic heart.” Ramirez’s legacy, since arriving in Zapata in 1983, has been shaped by his philanthropic contributions. He constructed a golf course for the community, made significant dona-tions to an orphanage in Mexico and to organizations in Laredo, including Mary Help of Christians School, Har-mony Academy of Science and Sacred Heart Orphanage. He also established scholarship programs at Laredo Com-munity College and at Texas A & M International University and contrib-uted to the National Hispanic Insti-tute, the Zapata Boys and Girls Club, among others. The Mexican American Legislative Caucus is a 501(c)(6) non-profit, non-partisan organization founded in 1973 and composed of members of the Texas House of Representatives com-mitted to addressing issues of partic-ular importance to Latinos across the state. MALC’s educational outreach ini-tiatives, conducted between bi-an-nual sessions of the TX Legislature, strive to raise the level of Latino engagement in TX government and politics Q

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Debbie Scanlon Houston 713.499.4600

Doug Van Meter Oklahoma City 405.842.7977

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Weyerts Named Director, Sawyer and Childs Advisory DirectorsPaul Robert Weyerts, executive vice president of Pecos County State Bank of Fort Stockton/Sanderson, has been elected bank director. Weyerts, a CPA, joined the bank in 2004 as senior vice president. His family’s banking history dates back to the early 1900s. The Tar-

leton State University graduate is ac-tive in his family’s ranching business. The bank has elected Clyde Saw-yer, partner in a Fort Stockton-based insurance agency, and James Allan Childs Jr., a Fort Stockton business executive, advisory bank directors Q

March 7, 2011 BANKERS DIGEST Page �

p e o p l e

Retired Lousiana Bankers Association Leader and BankerRobert “Bob” Irby Didier Dies at Age 92

Sunwest Taps Trimmer to Lead New Mortage Division

loUISIANA ARIZoNA

Robert “Bob” Irby Didier Jr., 92, died on February 10. A native of Marksville, he was born on September 14, 1918. His family moved to Baton Rouge in 1936, and he was a longtime resident of Baton Rouge. He was a veteran of World War II and received a Purple Heart Medal, having been wounded and captured during the Italian Cam-paign and held as a POW. He gradu-ated from Marksville High School and attended LSU in Baton Rouge. Didier followed in his father’s foot-steps in a successful banking career, serving the industry for 40 years, pro-gressing from a runner to bank presi-dent and retiring as executive vice president (the top association execu-tive) of the Louisiana Bankers Asso-ciation in the late 1970s. Prior to his military service, Didi-er played professional baseball as a catcher for the Memphis Chicks of the

Southern Association League. Because of his wounds sustained in World War II, he was unable to continue in that career; however, he did participate in semipro baseball in the Baton Rouge area. He was an excellent golfer, win-ning many tournaments and enjoyed teaching golf to others. He was also an avid sportsman who enjoyed hunt-ing and fishing all through his life with his father, brothers, nephews, and friends. Didier served the community through his many civic and philan-thropic associations, including FFA (Future Farmers of America), for which he was awarded an honorary degree for outstanding services. He was a member of Ducks Unlimited, Rotary International, the School of Banking of the South at LSU, and was also ac-tive in the Louisiana Association of Conservation Districts Q

Sunwest Bank has reported a team to lead its new mortgage lending divi-sion in AZ. Marc Trimmer is the new division manager for mortgage lending. He previously served as senior vice presi-dent of Desert Hills Bank in Phoenix where he launched the residential mortgage lending division. Staci Ramsey is operations man-ager. She previously served as vice president and operations manager at Desert Hills Bank. Gary Karademos is Sunwest’s loan officer for mortgage lending. He previ-ously served with Desert Hills Bank in the Sedona and Oak Creek branches. Todd Santoni, now assistant vice president for mortgage lending, previ-ously served with Tennessee Bank. Sunwest Bank, based in Tustin, CA, operates a loan office in Scottsdale and three branches in Flagstaff and one in Cottonwood (all acquired in 2010) Q

Page � BANKERS DIGEST March 7, 2011

p e o p l e

Retired Cabot Bank President James Martin “J.M” Park Dies

F&M Bank and Trust in Tulsa Names Laughlin and Lawlis, Promotes Fultz and Mangold to Vice President

Forty-one year Cabot banker and civic leader James Martin “J.M.” Park died February 12 in Little Rock from com-plications after surgery. He was 80. Park was born October 10, 1930, in Little Rock. He served at Bank of Cabot for 41 years, starting as a teller and rising to president in 1973. His great-grandfather helped establish the bank in 1903. He retired as president in 1996. The bank was renamed Commu-nity Bank in 1999 and is now part of the Conway-based Centennial Bank. Park was a U.S. Army veteran and an active community leader. He said one reason he enjoyed banking was that the directors allowed him to spend time improving the commu-nity. He served on various boards and was a founder of the Lonoke County Safe Haven Shelter. After his retire-ment and until his death, he served as chairman of Cabot’s Water and Sewer Commission Q

F&M Bank and Trust Co. in Tulsa has announced four recent appointments. David Laughlin has been named vice president in secondary marketing and production. He previously served with BOK Financial in Tulsa. Mellonie Lawlis has been named vice president in treasury services. She previously served as vice presi-dent in treasury management for Bank of Oklahoma in Tulsa Thomas Fultz has been promoted from second vice president-security officer to vice president and chief se-curity officer. Kathy Mangold has been promot-ed from second vice president in in-

Skinner Promoted to AVP, Bank of the Ozarks Otter CreekLittle Rock-based Bank of the Ozarks has reported that Laura Skinner has been promoted to assistant vice pres-ident at the Otter Creek branch Q

ARKANSAS oKlAHoMA

ternal fraud investigator to vice presi-dent and internal fraud officer. Q

Retired Tulsa Bank VP Mary Ferne Nation Dies at Age 83Retired banker Mary Ferne Nation died on February 16 at the age of 83. She served in the banking industry in Tulsa for about 32 years. Nation was a native of Seminole, OK, and was a talented piano player and active church worker. She be-gan her banking career in 1961 with Southern Hills National Bank, served as executive assistant to the presi-dent of Mercantile National Bank and later Republic National Bank. In 1977 she joined with Les Goddard to help launch Western National Bank, where she served as vice president and exec-utive assistant to the president until the bank was sold to Fourth Financial Corp. (merged into Bank IV) in 1993, when she retired. After her retirement, she focused on church work, music, and family. She was named Woman of the Year of the Indian Nations Chapter of the American Business Women’s Associa-tion in 1984 Q

ReGUlAToRSGardineer Named OCC’s Deputy Dir for CompliancyThe Office of the Comptroller of the Currency has named Grovetta Gar-dineer deputy director for complian-cy policy, effective February 28. In this role, she will be responsible for OCC policy and examination procedures relating to consumer issues and anti-money laundering. Gardineer has more than 22 years of experience in bank supervision and regulation. She joins the OCC from the OTS, where she has served since 2008 as the managing director for cor-porate and international activities. She joined the OTS in 2006 and earlier served for several years with the FDIC as an attorney handling enforcement actions and preparing policies and regulations Q

March 7, 2011 BANKERS DIGEST Page 7

N e W S W A T C H loUISIANA

IBERIABANK Corp., Lafayette, to Acquire Omni Bank, MetairieIBERIABANK Corp., Lafayette, the holding company for 123-year-old Iberiabank, Lafayette, and OMNI BANCSHARES Inc., the holding com-pany for Metairie-based Omni Bank, announced on February 22 the sign-ing of a definitive agreement for IBE-RIABANK to acquire OMNI in a stock sway deal. The transaction has been approved by the boards of directors of both companies and is expected to close in the second quarter, subject to necessary regulator approvals and the approval of OMNI’s shareholders. The OMNI acquisition roughly dou-bles the number of Iberiabank loca-tions in the New Orleans area. Omni Bank, which reported approximately $735 million in total assets and $646 million in total deposits as of Decem-ber 31, 2010, has 13 New Orleans lo-cations and one in Baton Rouge. The bank was established in 1996. Under the terms of the transac-tion, OMNI shareholders will receive .3313 share of IBERIABANK common stock per OMNI common share, val-ued at approximately $40 million in the aggregate, based on 2.1 million shares of OMNI common stock. In addition, approximately $24 million of OMNI trust preferred and holding company debt will be assumed in the transaction. James M. Hudson, OMNI chair-man/CEO, will be named chairman of the Southeast LA region for Iberiabank

after the transaction is completed. IBERIABANK reports about $10 bil-lion in assets and 145 branches in LA, AR, TN, AL, TX, and AL; 27 title insur-ance offices in AR and LA; and mort-gage reps in 12 states. Since August 2009 IBERIABANK has acquiredfrom the FDIC three failed banks in FL and one in AL. Since the Omni is a profit-able bank, the transaction is a depar-

ture from IBERIABANK’s recent acqui-sitions. Also, IBERIBANK has reported it has agreed to purchase a trust and as-set management service, Florida Trust Co., from the Bank of Florida Corp. for $700,000 with a possible second pay-ment of $700,000 based on future reve-nue. IBERIABANK said Florida Trust will become part of Iberia Wealth Advisors Q

Meridian Bank New Phoenix Office Closer to Central CoreWickenburg-based Meridian Bank, N.A., recently relocated its Phoenix office less than one mile in an effort to “create a more intimate banking relationship with its customers and be closer to down-town,” said president Scott Schaefer in the Arizona Business Journal. Meridian relocated to 2700 N. Cen-tral Ave. from its former 3550 N. Cen-tral Ave. location. “We ...wanted to be a bit closer to downtown while serv-ing the midtown and uptown areas,“ Schaefer said Q

ARIZoNA

Page � BANKERS DIGEST March 7, 2011

N e W S W A T C HTeXAS

IBAT Chiefs Go On The Road to Discuss Priority Issues Number of Institutions on FDIC’s Problem List Now 884The number of institutions on the FDIC’s ‘problem list” rose to 884 at the end of the fourth quarter of 2010, an increase from 860 at September 30, 2010. The number of institutions on the problem list represents nearly 12% of the nation’s 7,657 insured in-stitutions. Total assets of “problem” institu-tions increased to $390 billion in the fourth quarter, up from $379 billion in the prior quarter and well below the $403 billion reported at yearend 2009.The rate of increase in the number of “problem” institutions has declined in each of the past four quarters. Thirty insured institutions failed during the fourth quarter, bringing the total number of failures for the full year to 157, an 18-year high. The number of failures YTD 2011 is 23 through Febru-ary 25, slightly below the number of failures YTD 2010 of 22. “As we have repeatedly stated, we believe that the number of failures peaked in 2010, and we expect both the number and total assets of this year’s (2011) failures to be lower than last year’s,” said FDIC Chairman Shei-la C. Bair Q

pRoBleM BANKS

IBAT Chairman J. David Williams, HCSB, Kerrville, told a crowd in Irving during the final stop on IBAT’s region-al meeting “Tour de Texas,” a 16-loca-tion road show, that the top three key issues facing the banking industry in the 112th Congress include: overdraft protection, debit card interchange fees, and the repeal of Reg. Q. Williams and IBAT CEO Chris Willis-

ton discussed the first of the “big three:” Final Overdraft Payment Supervisory Guidance – FIL-81-2010 issued by the FDIC. In support of their position, Wil-liams referenced a letter Texas Depart-ment of Banking Commissioner Charles G. Cooper sent to FDIC Chairman Sheila Bair dated February 23, 2011, which con-cludes with, “I request that the FDIC re-call or suspend ... FIL-81-2010 to allow time for proper evaluation by all the fed-eral and state banking agencies includ-ing the Consumer Financial Protection Bureau which will have jurisdiction over these types of products.” (see entire let-ter at www.ibat.org) Second issue, Williston said legisla-tion is in the works to delay (up to one year) the implementation of a final rule by the Federal Reserve in order to obtain the most favorable rules for the community bank debit programs. Third issue, Cliff McCauley, EVP/manager of correspondent banking, Frost Bank, San Antonio, offered to attendees a sheet with eight points showing why repealing Reg Q is bad policy. He asked bankers to study the sheet at their banks to determine how much the repeal will impact their bank’s net interest margins. He sounded a call to action to leave Reg.Q in place Q

March 7, 2011 BANKERS DIGEST Page 9

C h a r t e r

a c t i v i t y

R e G U l A T o R SIL Bank Fails; Total YTD 23The Illinois Department of Financial and Professional Regulation - Division of Banking closed Valley Community Bank, St. Charles, on February 25. The FDIC entered into a P&A agreement with First State Bank, Mendota, IL, to assume all of the deposits and to pur-chase essentially all of the assets. As of December 31, 2010, First State Bank had approximately $123.8 million in total assets and $124.2 million in total deposits. The failure is the second in IL in 2011 Q

ArizonaBRANCHES The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has with-drawn an application by Meridian Bank, N.A., Wickenburg, for a mobile branch at 16435 N. Scottsdale Rd., Ste. 300, Scottsdale.OklahomaBRANCHES The FEDERAL RESERVE BANK OF KANSAS CITY has received an appli-cation by Bank of Commerce, Yukon, for a branch at 2500 S. Cornwell, Yu-kon.TexasCHARTERS The TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LEND-ING has received an application for Pearl Savings Association, 908 Town & Country Blvd., Ste. 120, Houston.BRANCHES The OCC has approved an applica-tion by The Frost National Bank, San Antonio, for a branch at 1450 E. Whit-estone Blvd., Cedar Park. The OCC has approved an appli-cation by First National Bank Texas, Killeen, for a First Convenience Bank branch at 12065 I-45 N., Willis. The OCC has approved an appli-cation by Texas Capital Bank, N.A., Dallas, for a branch at 2350 Lakeside Blvd., Richardson. The OCC has received an applica-tion by Extraco Banks, N.A., Temple, for a branch at 302 N. Key Blvd., Lam-passas. The TEXAS DEPARTMENT OF BANKING has approved an applica-tion by The Bank, Weatherford, for a branch at 2800 S. Hulen St., Ste. 115, Fort Worth.MERGERS AND ACQUISITIONS The OCC has received an applica-tion by The First National Bank of Sonora to P&A a branch of The Trust Company, San Antonio, at 116 W. Blanco Rd., Boerne. The TXDB has received an applica-tion by Texas First Bank, Texas City, to merge with affiliate Texas First Bank,

Santa Fe. The FRB OF DALLAS has received an application for this merger and to establish the branches of Texas First Bank Santa Fe in Santa Fe, Hitch-cock, Alvin, Dickinson, Friendswood, League City, and Pearland as branches of Texas First Bank, Texas City. The FED BOARD OF GOVER-NORS has approved an application by Community Bancorp LLC, Houston, to become a bank holding company and to acquire Cadence Financial Corpo-ration, Starkville, MS, and thereby ac-quire Cadence Bank, N.A. Q

Page 10 BANKERS DIGEST March 7, 2011

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THE BANK & TRUST is currently accepting applications for a Loan Officer in Sonora, Texas. Come join our remarkable banking team and help us build customer loyalty through our brand of hometown banking hometown trust.

Must manage a portfolio consisting of business and consumer clients by devel-oping relationships with new and existing customers. Must attain knowledge of one of the broadest banking product bases around including deposit, cash management services, internet banking, payment solutions, deposit options, in-vestments, and a variety of lending products. Work in a state-of-the-art technol-ogy environment; opportunities to grow within one of the best banking orga-nizations in West Texas. Requirements: Bachelor’s degree in finance or related field; minimum three years of lending experience in consumer, commercial, or real estate lending; strong communication and presentation skills. We offer competitive salaries plus incentive and benefits that include generous vacation allowances, medical, 401k plan, and much more. Please send resume and salary requirements to: Arturo De La Garza, Director of Human Resources, The Bank & Trust, P.O. Box 4010, Del Rio, Texas 78841-4010, (830) 774-2555.

The Bank & Trust is an Equal Opportunity Employer, M/F/D/V.

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ABC Bank is seeking a SENIOR COMMERCIAL LENDER for our Aus-tin Market to originate and maintain commercial loans. Knowledge of commercal lending policies, proce-dures, lending services, and related areas required. Proven managerial, communication, and sales skills are a must. Qualified applicants will have 10+ years lending experience. Excellent benefits and pay commen-surate with experience. Please sub-mit resume in confidence to ljohn-son@theabcbank.com. ABC Bank is an EEO M/F.

TRUST ADMINISTRATOR position requires an individual with a bache-lor’s degree in business administra-tion or accounting with two years of meeting the standards of an accred-ited trust institute and two years of experience in trust administration. This position provides assistance to Trust Officer by administering per-sonal trusts and employee benefit accounts for a $150 million Trust Department. Mail resume to Jeff Davis Bank & Trust Company, Atten-tion Human Resources Department, P.O. Box 730, Jennings, LA 70546 or apply on line at www.jdbank.com. Equal Opportunity Employer. M/F/D/V.

COMMUNITY BANK LOAN OFFI-CER: Vernon, Texas. Must pos-sess strong lending and business

development skills. Community participation a plus. Call or send resume to Campbell Burgess, Her-ring Bank, CBurgess@HerringBank.com, 806-242-3704.

SENIOR LENDER WANTED: Ready to run your own shop? Well estab-lished conservative and profitable bank in North Texas seeks senior lender in Decatur, Texas, to make loans and establish and build a new market for the bank. Requires broad-based banking and lending skills and strong business develop-ment skills with at least 7-10 years of lending experience. Successful candidate will have an established following and a track record of suc-cess in growing a profitable and high quality loan portfolio and the skill to manage that growth. Requires strong management, presentation, and communication skills. Send resume, references, and salary re-quirements together with a letter describing why you are interested in and qualified for this opportunity to: Jack Alldredge, President and CEO, State National Bank of Texas, 4301 Jacksboro Hwy, Wichita Falls, Texas 76302-2719 or email to jack.alldredge@snbt.net.

First Bank & Trust Co. has an im-mediate opening for a CREDIT AD-MINISTRATOR. Bachelor’s degree in accounting, finance, business,

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tion of the 7,657 insured institutions – about 1.4% – are driving the bulk of the earnings growth. The big banks (greater than $10 billion) accounted for $20.6 billion of the industry’s fourth quarter earnings of $21.7 billion. The FDIC reported financial re-sults for the fourth quarter and the full year of 2010 are contained in its latest Quarterly Banking Profile. Some highlights include: loan balances con-tinued to decline for the ninth time in the past 10 quarters with almost 60% of insured institutions reporting de-clines in loan balances in the fourth quarter; total insured deposits in-creased by $799 billion (14.8%) in the fourth quarter; and the Deposit Insur-ance Fund (DIF) balance increased for the fourth consecutive quarter to neg-ative $7.4 billion. Chairman Bair said “we expect the DIF balance will turn

positive in 2011....(and) there is ample liquidity to meet our obligations from past and future bank failures.” James Chessen, chief economist for the American Bankers Association in a release on fourth quarter earn-ings, wrote, “Today’s report reaffirms that the banking industry is indeed re-gaining its footing. Asset quality has improved, loan losses have declined, and banks continue to increase their capital levels. This has helped solidify the base for making new loans to bol-ster growth in the expanding econo-my.” He also said that “banks added nearly $69 billion in equity capi-tal last year, and total capital is now more than $1.5 trillion....Most banks increased both their leverage capital and total risk-based capital last year. In addition, the industry capital-to-as-sets ratio ended the year at the high-est level since 1937. In fact, 95.8 per-cent of banks - holding 99.1 percent of the interest assets - are classified as well capitalized.” Classen concluded by saying, “Nearly 5,000 banks – or 64 percent – have been in business for more than 50 years, and one out of every three banks has served its local community for more than a century. This demon-strates dramatically the staying power of banks and their commitment to serve local communities.” Q

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