Investar Bank, Baton Rouge, LA, an-nounced that it has hired career banking executive Keith Short to launch its new La-fayette market as regional president and to lead the rapidly growing institution’s new private banking division through-out Investar’s fran-chise. Short joins Investar from Lafayette-based IBERIABANK, where he served as president of the Naples, Fort Myers and Keys markets in FL. Prior to estab-lishing those markets, he introduced IBERIABANK to the Baton Rouge re-gion and, as Baton Rouge president,

Bank of the West in Los Angeles, CA, has announced that George Stan-field, has been named head of the Southern CA Divi-sion, expanding his current region, which includes NM and AZ, to in-clude Southern CA and Southern NV. In this new role, he is responsible for consumer and business banking operations in the division, which in-cludes 150 branches and the bank's Pacific Rim Division. He is based out of the bank’s corporate offices in Los Angeles. Stanfield has over 35 years of finan-cial, banking, and management expe-rience. He joined Bank of the West's predecessor, First Security Bank of NM, Albuquerque, in 1985, and in 2001 was named head of the South-west Division. He was recently induct-ed into the University of New Mexico Anderson School of Management Hall of Fame Q

The Bank & Trust, ssb, Del Rio, TX, has announced the recent promotion of Brady John-son to president/CEO as of January 2013. Sid Cauth-ron, chairman and former president/CEO, made the an-nouncement. Johnson has been a part of The Bank & Trust team for over nine years. He most recently served as regional president of the San Angelo and Sonora markets, and earlier served as the Sonora market president. He has been serving as a member of the bank's board of direc-

Volume 142, No. 13April 1, 2013

In This Issue...

The Death Knell of ATM “Notice” LawsuitsLegal Phases....................................3

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

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

Please route this issue:

www.bankersdigest.com

Johnson Promoted to President/CEO, Cauthron Chairman,The Bank & Trust, ssb, Del Rio, TX

Published weekly on Mondays except fifth Mondays

Johnson

Short

Stanfield

Stanfield Promoted at Bank of the West in CA

Short to Lead Investar Bank’s Entry Into Lafayette, LA, Market as Regional President

tors. Johnson’s 30-year banking career includes service with banks in San An-gelo, San Saba, Abilene, and Sonora. He was raised in San Saba and earned a BBA degree in finance from Angelo State University. His background in-cludes banking experience in mort-gage, construction, commercial, and consumer lending. The Bank & Trust is a $412 million-asset and $345 million-deposit com-munity bank, as of December 31, 2012, according to the FDIC. The bank, es-tablished in 1910 as Del Rio Bank & Trust Company, operates seven bank-ing offices: four in Del Rio and one each in Brackettville, San Angelo, and Sonora Q

grew it from a single temporary branch to a successful multi-branch franchise. While working for IBERIA in Lafayette, he also was chosen to reposition the bank from its traditional savings and loan structure to a commercial bank franchise. His 24-year banking career also includes leadership positions at Bank One, now Chase, and Hibernia National Bank, now Capital One Bank. A Baton Rouge native, Short holds a graduate degree from the South-western Graduate School of Banking at SMU, an MBA degree from Loyola University in New Orleans, and a bach-elors degree from LSU. He currently serves as a director of the Louisiana Oil and Gas Association, as a member of the advisory council of LSU’s hon-ors college, and has previous exten-sive community involvement Q

Page 2 BANKERS DIGEST April 1, 2013

Terrell-based American National Bank of Texas announced the promotion of

Tom Johnson to director of com-mercial real estate and middle mar-ket lending, a new division for the bank, according to Robert Hulsey, president/CEO. Johnson has more than 40 years

of experience serving professional and commercial industries. Prior to his new role, he served as the bank’s Rockwall regional president. Johnson earned a BBA degree in fi-nance and marketing from Texas A&M University-Commerce and is a gradu-ate of the Southwestern Graduate School of Banking at SMU. He serves on the boards for the Rockwall Inde-pendent School District Foundation, Heath Economic Development, and the Texas A&M University-Commerce Foundation. He is a member of the Rockwall Noon Rotary Club. American National Bank of Texas, founded in 1875 in Terrell, is one of the oldest and largest independently owned banks in the state with assets exceeding $2 billion. The bank has 30 locations throughout North TX, serv-ing Collin, Dallas, Hunt, Johnson, Kaufman, Rockwall, Tarrant, and Van Zandt counties Q

Randall McCauley, president/CEO of Providence Bank of Texas, SSB,

Southlake, has an-nounced the ad-dition of Shelby Bruhn and Janice Spooner. Bruhn serves as senior vice presi-dent and chief loan officer. He is a graduate of The University of Texas

at Dallas. His background in banking includes service as senior underwriter for Capital One’s middle market com-

mercial group in Dallas. Spooner serves as senior vice president of com-mercial lending. She is a graduate of the ABA Na-tional Commercial Lending School. Her banking back-ground includes

service as senior vice president with First National Bank of Weatherford. She has been recognized in local me-dia for her work with educating chil-dren about banking. She was awarded IBAT’s 2011 Rising Star Award. Corie Wood has recently been named director of marketing and busi-ness development. Her background includes positions in marketing and business development, and local mu-

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Bruhn

Bruhn and Spooner AreSVPs, Providence Bank

Spooner

Mark Odle has joined Boerne-based Texas Heritage Bank as senior vice pres-

ident and manager of the Leon Springs office (25060 I-10 West in San Anto-nio), according to Steve Mack, CEO. Odle has exten-sive experience in commercial lend-ing, asset-based lending, opera-

tions, and retail and financial man-agement. Most recently, he was EVP/chief credit officer at First Capital Bank in Midland. He earlier served as an SVP/division manager for Wells Fargo Bank, where he served for 24 years. He also served with NCNB National Bank at the start of his career. He is a gradu-ate of Abilene Christian University. His community involvement in-cludes the United Way and Rotary. He in a member of the Texas Bankers As-sociation and of several professional associations. At Texas Heritage Bank, he joins the leadership team which also includes Louis Ehlinger and Susan Allen Q

Texas Heritage Names Odle in Leon Springs

Odle

Johnson Promoted to Lead New Bank Division

Johnson

nicipal government Q

April 1, 2013 BANKERS DIGEST Page 3

The banking in-dustry, particularly community banks, have been plagued over the past three years with lawsuits alleging that an exterior fee notice was not present on their automatic teller machines.

The suits seek to certify a class of cus-tomers purportedly injured by the lack of notice. In almost all such cases, the customer was provided an onscreen notice of ATM fees and could not have proceeded with the transaction with-out acknowledging the notice.

l e g A l p h A S e S

ByWilliam Frank Carroll,

Cox Smith Matthews, IncorporatedDallas, Texas

www.coxsmith.com

ATM LAWSuITSThe Death Knell of ATM

“Notice” Lawsuits

(continued on Page 9)

The facts of the death knell case, Mabary v. Hometown Bank, N.A., are as follows. Lisa Mabary sued Hometown Bank on October 19, 2010, on behalf of herself and all others similarly situ-ated, alleging that Hometown Bank violated the Electronic Fund Transfer Act and its implementing regulation, Regulation E, which required any au-tomated teller machine (“ATM”) oper-ator who imposes fees on consumers to provide notice that a fee is being imposed and the amount of the fee. In its original format, the statute required the notice to be posted in two places: “on or at” the ATM and on the screen of the ATM or, alternatively, on a paper notice issued before the transaction is completed. Ms. Mabary alleged that she was charged a $2.00 fee in connection with using one of Hometown Bank’s ATMs, after receiv-ing and accepting an actual on-screen notice, but not a secondary notice on the exterior of the ATM. Hometown Bank filed a Motion to Dismiss and Opposition to Class Certification, as-serting that Ms. Mabary did not suffer actual damages and therefore lacked

standing. In late 2012, Congress unan-imously repealed the portion of the statute requiring the “on or at” exte-rior notice, after noting in the House Committee Report that the redundant second notice was “unnecessary” and fueled “frivolous lawsuits related to this fee notice requirement.” Presi-dent Obama signed H.R. 4367 into law on December 20, 2012. (Visit: E-Alert, Bankers Digest, Volume 142, Number 2, January 14, 2013, www.bankersdigest.com) On March 18, 2013, the United States District Court denied class cer-tification and dismissed the suit. The Court explained that after the passage of H.R. 4367, a class could not be cer-tified. The Court held that class mem-bers are not parties to the litigation until after the class has been certified, and after H.R. 4367, the basis of any class claim ceased before certifica-tion. The Court further examined the issue of whether Ms. Mabary’s indi-vidual claim survived the passage of H.R. 4367. Relying on the Supreme Court’s opinion in Landgraf v. USI Film

Carroll

Page 4 BANKERS DIGEST April 1, 2013

David Baty, president of Texas Repub-lic Bank, Frisco, announced the hir-

ing of Michael D. Garrett as senior vice president of commercial lending. Garrett has nearly three decades of com-mercial and real estate lending ex-perience, as well as having previ-ous management

experience. Prior to joining Texas Re-public Bank, he served 16 years with several community banks located in the Denton County market. He is a graduate of Louisiana Tech University Q

Kerry Adair, president of the Dallas market, and J. Pat Hickman, chairman/CEO of Happy State Bank and Trust Co., Happy, announced on March 25,

the former Signa-ture Bank, Dallas, will open as Hap-py State Bank in the One Hanover Building at 16633 Dallas Parkway, Ste. 350, in Addi-son.

Happy Bancshares Inc. (the parent

company of Happy State Bank) ac-quired Signature Bank in January 2012 and has been operating the bank as a separate bank charter for the past year. With this conversion to the new name and new location, Happy State Bank will have 31 offices in 21 com-munities in the TX Panhandle, South Plains, and now, the DFW Metroplex. Adair has served for the past year as president/CEO of Signature Bank. He has over 29 years of banking experi-ence, serving seven years as the presi-dent of the Amarillo Market for Happy State. He earned a BS degree in busi-ness from West Texas State University. Other bank officers are Ken H. Maynard, senior vice president

p e o p l eTeXAS

Adair

Adair to Lead Happy State Bank in Dallas Marketand commercial lender and 36-year banker; Jeff Peatrowsky, senior vice president and 19-year banker; Kevin P. Chandler, vice president and com-mercial lender; Cheryl Johnson, vice president and operations manager; Carol Langford, vice president/loan administration and 18-year Happy State banker; and Brian Riordan, vice president and commercial lender. Maynard is a graduate of SMU. Peatrowsky earned a BS degree in ac-counting. Chandler is a graduate of University of Georgia with a BA degree and earned an MBA degree in finance from Georgia State University. Rior-dan earned a BBA degree in finance from Baylor University. “This is a new venture for the Happy State Bank. We are excited to bring the ‘Happy Experience’ of bank-ing service to the good people in the DFW Metroplex. Our name does not just reflect the town or our origin. The name “Happy” reflects the attitude of our stockholders, staff and – most importantly, our customers.” stated Hickman. Happy State Bank was chartered in 1908 in Happy, located south of Amarillo. In 1990, the then $10 mil-lion bank was acquired by a group of Panhandle area investors, including Hickman, and is now the second larg-est bank in the TX Panhandle/South Plains trade territory and the 25th largest bank in TX by asset size with $2.1 billion in total assets. The bank also owns a non-depository branch – GoldStar Trust Company, in Canyon Q

Garrett

Garrett Named SVP, Texas Republic Bank

Borrego Appointed VP/CLO,Memorial City Bank, Houston

Former Banker and Regulator John Edward McClung Dies

Memorial City Bank, Houston, has an-nounced the appointment of Jorge I. Borrego as vice president and com-mercial lender. Borrego has more than 17 years of banking experience. He served four years with the U.S. Marine Corps at Camp Lejeune, NC, before obtaining a BA degree in economics from the University of Houston and is fluent in Spanish. Memorial City Bank is a community bank with $229 million in assets and $201 million in deposits as of Decem-ber 31, 2012. The bank opened in Feb-ruary 2008 as a de novo at 820 Gessner in Houston Q

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Former banker and S&L regulator John Edward McClung, of Richard-son, died on March 16 after a 24-year battle with brain cancer at age 62. McClung was born in Fort Worth, graduated from SMU with a degree in accounting and from UT at Dallas with a masters degree, and was a CPA. His career was in banking and the S&L in-dustry. He served as deputy commis-sioner of the Texas Savings and Loan Department in the 1990s Q

April 1, 2013 BANKERS DIGEST Page 5

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Khodjaberganov upped to AVP, Simmons First in Pine Bluff

Simmons First National Bank, Pine Pluff, recently announced the promo-tion of Fazliddin “Fazi” S. Khodja-berganov to assistant vice president of the special services group, accord-ing to Chairman/CEO J. Thomas May. Khodjaberganov has over 11 years of financial services experience with more than six years of service at Sim-mons First. He currently serves as

loan review specialist. He holds a BA

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Western Alliance Bancorp President Vecchione ResignsWestern Alliance Bancorporation, Phoenix, has announced that Presi-dent/COO Kenneth Vecchione has resigned, effective April 5, to accept a position as CEO of another publicly-traded, non-banking company. He will remain a director of the company and chairman of its finance and invest-ment committee. Robert Sarver, chair-man/CEO, made the announcement. Vecchione has served with Western Alliance, the parent company for Alli-ance Bank of Arizona, Bank of Nevada, and Torrey Pines Bank in CA, for the past three years. He plans to become CEO of a financial services company Q

First State Bank SVP Casper Appointed to CommissionOK Gov. Mary Fallin has appointed Oklahoma City banker Suzy Casper to serve as a commissioner on the Commission on Consumer Credit. She replaces Trisha Thompson, who resigned. Casper is senior vice president and loan operations manager for The First State Bank in Oklahoma City. She pre-viously served on the boards of direc-tors for the Oklahoma City Downtown Lions Club and for the Community of Vision Care. Casper will serve on an interim ba-sis pending confirmation by the OK Senate. If confirmed, her term will ex-pire January 1, 2018. The 10- member Commission gov-erns the Oklahoma Department of Consumer Credit, which is respon-sible for the regulation of consumer credit sales and consumer loans Q

Oklahoma Corporation Commission Chairman and attorney Patrice Doug-las has been elected to the Arvest Bank board of directors. Douglas previously served as presi-dent of SpiritBank and executive vice president of First Fidelity Bank, Okla-homa City, and on the OBA board Q

Arvest Bank Elects Douglas To Board of Directors

April 1, 2013 BANKERS DIGEST Page 7

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oKlAhoMANeW MeXICoARIZoNAArizona Bank & Trust Parent Named a Forbes Best Bank

New Mexico Bank & Trust Parent a Forbes Best Bank

RCB Claremore to Acquire Three Citizens Bank Offices

R Bank in Round Rock to Open First Austin Office

Arizona Bank & Trust, Phoenix, through its parent company, Heart-land Financial USA Inc., Dubuque, IA, has been named a “Forbes Best Bank 2013.” “We are proud to be named among the best banks in America for 2013,” said Jerry Schwallier, president/CEO of Arizona Bank & Trust. “The Forbes ranking underscores the benefits of our unique structure—the strength and capabilities of a big bank, com-bined with the personal touch and lo-cal decision-making of a community bank.” Arizona Bank & Trust is a state char-tered bank with more than $307 mil-lion in assets and offices in Phoenix, Scottsdale, Mesa, Chandler, Tempe, and Gilbert. In its annual review of the largest publicly-traded banks and thrifts, Forbes ranked Heartland 39th among a nationwide group of 100 leading banking organizations with assets ranging from $4.5 billion to over $2 trillion. To compile the rankings, Forbes used data collected by SNL Financial through the third quarter of 2012 on the country’s largest publicly traded banks and thrifts. The data covered

eight metrics of financial health: re-turn on average equity; net interest margin; nonperforming loans (NPLs) as a percentage of loans; nonperform-ing assets as percentage of assets; reserves as a percentage of NPLs; two capital ratios (Tier 1 and risk-based); and leverage ratio. Forbes generated its ranking based on an average of the individual ranks of each metric. In 2012, Heartland net income in-creased by 76% over 2011, with earn-ings per share growing by 122% Q

New Mexico Bank & Trust, Albuquer-que, through its parent company, Heartland Financial USA, Inc. has been named a “Forbes Best Bank 2013.” “We are proud to be named among the best banks in America for 2013,” said Greg Leyendecker, president/CEO of New Mexico Bank & Trust. “We attribute our strong performance to our loyal and satisfied customers, our disciplined financial management and our employees,” said Leyendecker. New Mexico Bank & Trust is a state chartered bank with more than $1 bil-lion in assets and operates 16 offices serving the cities of Albuquerque, Santa Fe, Los Lunas, Rio Rancho, Clo-vis, Portales, and Melrose Q

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Three branches of The Citizens Bank of Edmond will be acquired by RCB Bank, Claremore, increasing the $2.1 billion-asset bank’s presence in the OKC metro market from three to six offices, according to an article by Bri-an Brus in The Journal Record. RCB will acquire the brick and mor-tar offices at 855 W. Covell Rd., 16461 N. Pennsylvania Ave., and 3600 S. Bou-levard in Edmond. Citizens plans to keep the deposits from the branches. RCB spokesperson Ashley Wood said that new branches will fall under the management of Edmond Presi-dent Jim Gray. RCB, with the new branches, will operate 35 branches in OK and KS, ac-cording to the article. The Citizens Bank is the oldest bank in Edmond and reports $278 mil-lion in assets. After the branch sale, the bank will operate two offices. The bank said none of the 70 employees are expected to be laid off but will be moved to other locations Q

Round Rock-based R Bank plans to open its first Austin office, not in downtown, but at 3103 Bee Cave Rd. in Rollingwood, which is southwest of downtown. The office was expected to open in March with eight employees. R Bank, co-founded by Texas Rang-er Baseball Team CEO Nolan Ryan and Houston businessman Don Sand-ers, was established as a de novo in 2009 with $12 million in startup capi-tal. The bank opened a second office in Georgetown at 2145 Williams Dr. in August 2012. As of December 31, 2012, the bank reported total assets of $165 million and total deposits of $146 mil-lion, according to the FDIC. CEO Steve Sapp told Austin Busi-ness Journal writer Christopher Calnan the local economics of Rollingwood are strong. The bank will target small business owners with annual sales of $5 million to $8 million. He said the bank has plans for more branches Q

April 1, 2013 BANKERS DIGEST Page 9

R e g U l A T o R S

C h a r t e r

a c t i v i t yArkasasBRANCHES The FEDERAL RESERVE BANK OF ST. LOuIS has received an application by Evolve Bank & Trust, West Memphis, for a branch at 115 Block St., Marion.LouisianaBRANCHES The FEDERAL RESERVE BANK OF DALLAS has received applications by Community Trust Bank, Choudrant, for branches in TX: 800 Gessner, Hous-ton, and mobile branches to serve Dallas County and Tarrant County. The OFFICE OF THE COMPTROL-LER OF THE CuRRENCY has re-ceived an application by MidSouth Bank, N. A., Lafayette, for a branch at 6311 FM 1488 Rd., Magnolia, TX.TexasBRANCHES The OCC has approved an applica-

tion by JPMorgan Chase Bank, N. A., Columbus, OH, for a branch at 3235 N. Mesquite, Mesquite. The OCC has received an applica-tion by Texas National Bank of Jack-sonville for a branch at 2133 W. Grande Blvd., Tyler. The TEXAS DEPARTMENT OF BANKING has approved an applica-tion by First Bank & Trust Company, Lubbock, for a branch at 6501 19th St., Lubbock. The TXDB has approved an ap-plication by Northstar Bank of Texas, Denton, for a branch at 2891 Cross Timbers Rd., Flower Mound.MERGERS AND ACQuISITIONS The TXDB has announced an ap-plication by First Associations Bank, Dallas, to merge with and into Pacific Premier Bank, Costa Mesa, CA, was ef-fective March 15.NAME CHANGE The OCC has announced an appli-cation by American National Bank, Wichita Falls, to change its corpo-rate title to American National Bank & Trust, Wichita Falls, was effective January 23 Q

Prods, the Court reviewed the frame-work by which courts are to determine the applicability of amended federal statutes to pre-existing claims. Be-cause the newly enacted statute did not explicitly indicate that it applied to existing lawsuits, the Court ana-lyzed “whether it would impair rights a party possessed when he acted, increase a party’s liability for past conduct, or impose new duties with respect to transactions already com-pleted.” Ms. Mabary’s “only plausible argument” was that the repeal of the secondary ATM notice impaired her vested rights. The Court concluded that Ms. Mabary had no vested rights in this case, as there are no vested rights where a cause of action is based solely on a statutory right, instead of an independent contract or property right, and that statute is repealed. Because Ms. Mabary did not have a vested right, the Landgraf presump-tion against statutory retroactivity did not apply, and Ms. Mabary’s suit was

(continued on Page 12)

LEGAL PHASES (continued from Page 3)

Page 10 BANKERS DIGEST April 1, 2013

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continue to grow the banking de-partment. Sharon Emiliano, Babich & Associates, Sharon@babich.com or call 214-823-9999 #306 for addi-tional details.

Vice President – WHOLESALE COMMERCIAL LENDING. Market-ing Wholesale Commercial Lend-ing program to brokers/bankers and real estate professionals. Call Kevin, 214-823-9999 x 309, or write Kevin@Babich.com.

COMMERCIAL LENDER: Indepen-dent bank will add AVP/VP-level lender to well-established location in desirable region of Texas. The po-sition will likely inherit a clean port-folio of local credits. Mark Mitchell, Lone Star Search, 972.335.9009, www.lone starsearch.net.

BANKING AuDITOR: Texas bank prefers at least 5 years banking au-dit experience from regional or larg-er institution, good communication

C l A S S I F I e D

Page 12 BANKERS DIGEST April 1, 2013

ADDRESS CHANGE - When writing to us about your subscription, enclose the address label from your copy of Bankers Digest. You can also change your address or other information at www.bankersdigest.com under subscriptions.

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

PERIODICAL

skills, CIA or pursuing. Mark Mitch-ell, Lone Star Search, 972.335.9009, www.lone starsearch.net.

$400M independent community bank in East Texas has an opening for a COMPLIANCE OFFICER. Must have compliance experience. Send resume in confidence to bankers digest@bankersdigest.com, subject line Box D-5.

CASHIER/CFO for solid community bank in the DFW area, Great salary and benefits including 401K and bo-

nus potential. Please send resume to bankersdigest@bankersdigest.com, subject line Box M-2.

Alliance Bank currently has an op-portunity for a COMPLIANCE OFFI-CER in our corporate office located in Sulphur Springs, TX. This posi-tion is responsible for conducting regulatory compliance and internal control audits and self assessments. Will also be responsible for monitor-ing critical business line activities to ensure compliance with federal and state laws and regulations as well as internal policies and procedures. Interested candidate must have a minimum of 5 years previous experi-ence, compliance certification pre-ferred, and a thorough knowledge of banking laws and regulations. Please email Julie Degelia for more details or to submit a resume. jdegelia@alliancebank.com. Equal Opportunity Employer.

Brownwood, TX, LOAN OFFICER position available. Ideal candidate will have a college degree and a minimum of 5 years strong lending experience. Candidate must also have experience managing a 5MM+ loan portfolio in the Brownwood market. Additional work experience can be substituted for a college degree. Candidate must possess strong leadership abilities and be driven to grow their respective loan portfolio. Competitive salary com-mensurate with experience. Ben-efits include health insurance, life and disability, and matching 401K. Email resume and salary require-ments to bankersdigest@bankers-digest.com, subject line Box M-3.

Northern Brazoria County estab-lished Independent Community Bank seeks experienced COMMER-CIAL LENDER with a minimum of 5 to 10 years lending experience. Knowledge of Harris, Brazoria, and Galveston County markets a plus. Contact rferguson@pearlandbank.com.

EQuIPMENT

FuLLY OPERATIONAL BRANCH BANK available. Located on u.S. Highway 380 in Little Elm, Texas. Contact: jcaudle@ftnb.net.

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

LEGAL PHASES (continued from Page 9)

properly dismissed. The Mabary holding should bring an end to these types of lawsuits, which provide no benefit to consumers, in-crease the costs of financial services, and clog the judicial system with law-suits described as “frivolous” by Con-gress Q

About the author: Hometown Bank, N. A., based in Galveston, TX, was rep-resented by William Frank Carroll of Cox Smith Matthews, Incorporated. He is a member of the firm’s Financial Institutions Industry team and serves clients from the Dallas, TX, office. He may be contacted at fcarroll@cox-smith.com.

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