September 20, 2012

Volume 68, Number 9 • THE NEWSPAPER OF THE MISSOURI BANKERS ASSOCIATION • Thursday, September 20, 2012

The Missouri Banker

Visit our web site at http://www.mobankers.com

On Sept. 14, the Missouri Division of Finance accepted possession of Truman Bank, Clayton, and appointed the Federal Deposit Insurance Corp. (FDIC) as receiver. To protect depositors, an agreement to acquire the bank was reached with Simmons First National Bank, a $1.6 billion bank headquartered in Pine Bluff, Ark. Depositors of Truman Bank automatically become depositors of Simmons First National Bank, and continue to have full access to their accounts by writing checks or using their ATM cards. Checks drawn on the bank will continue to be processed. Loan customers should continue to make their payments as usual. Depositors will continue to be fully insured by the FDIC. Normal operating hours for lobby or drive-up services for former Truman Bank customers resumed on Saturday. “There will be no interruption of services for customers of the former Truman Bank,” said Richard J. Weaver, Commissioner of the Division of Finance. “The demise of this

bank is the result of aggressive, imprudent lending decisions made by prior management. Many of these loans were in high-risk commercial real estate and development projects that proved uncollectible. The bank has operated under close regulatory scrutiny since 2008.” Despite management’s best efforts, attempts to obtain additional capital were not successful, and as a result, the board of directors voted to turn the bank over to the Division of Finance, as required by state law when a bank is in failing condition. Assets of the bank totaled $282 million as of June 30. The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $34 million. Compared to other alternatives, Simmons First National Bank’s acquisition was the least costly resolution for the FDIC’s DIF. Truman Bank is the 42nd FDIC-insured institution to fail in the nation this year, and the second in Missouri. The last FDIC-insured institution closed in Missouri was Glasgow Savings Bank, Glasgow, on July 13, 2012.

Truman Bank closed by regulators on Sept. 14

Former MBA Chairman Larry Snyder, second from right, has retired from day-to-day operations from The Hamilton Bank, Hamilton, where he has worked for almost 40 years. He will continue to serve as Chairman of the Board. Snyder was honored by the bank with a community reception on Aug. 30. Among those attending were, from left, Rob Barrett, Heritage State Bank, Nevada; former ABA Chairman Jim Smith, Hawthorn Bank, Clinton; and MBA President and CEO Max Cook.

Banks making plans for Segs4Vets fundraising projects MBA members will be taking part in a variety of projects to help raise money this fall for Segs4Vets, the MBA designated charity. Since the fundraising project was initiated in 2009, MBA members have raised about $90,000 for the organization.

Some of the events that banks are planning include pancake breakfasts, casual days, luncheons, a windshield washing event, a biscuits and gravy breakfast and a 5k run and walk. These events not only raise money for Segs4Vets but also raise public awareness of the struggles of injured veterans. Segs4Vets began in 2005 as a grassroots volunteer effort to help service men and women who have suffered serious injury and permanent disability from being sent in harms’s way while serving our nation. Segs4Vets provides successful candidates with a

Segway personal transporter as a tool to solve many of their mobility issues while not drawing attention to their disability. The impact of the program resonates well beyond the recipients. It extends to their families and extended families. For many, the Segway has had such a psychological impact on the recipients that it has brought about a dramatic positive change in family dynamics. For more information about MBA’s 2012 fundraising efforts, visit the MBA website at www.mobankers.com and click on Segs4Vets under Member Resources on the home page. If you have questions, feel free to contact Sue Norfleet at [email protected] or call her at 573-636-8151.

Page 2 The Missouri Banker September 20, 2012

Address changes Changes in addresses for The Missouri Banker can be mailed to the MBA at P.O. Box 57, Jefferson City, MO 65102, Attn: Database Manager or e-mailed to [email protected]

The Missouri Banker573-636-8151

Max CookPublisher

[email protected]

William O. RatliffManaging Editor

[email protected]

Sue NorfleetEditor

[email protected]

The Missouri Banker (USPS Number 000044, ISSN Number 0893-5637) is published 18 times a year (1 issue in January, March, June, July, November and December; 2 issues in February, April, May, August, September and October) by the Missouri Bankers Association, 207 E. Capitol Ave., Jefferson City, MO 65101. Second-class postage is paid at Jefferson City, Mo. Copyright© 1998 by the Missouri Bankers Association. All rights reserved. POSTMASTER: Send address changes to The Missouri Banker, P.O. Box 57, Jefferson City, MO 65102. Opinions expressed in any signed article in The Missouri Banker are those of the author and should not be construed as the viewpoint of the editors or of the Missouri Bankers Association. Neither should information provided in The Missouri Banker be construed as legal advice. The Missouri Banker does not provide legal advice, nor does it take the place of legal counsel hired by financial institutions. While this publication makes a reasonable effort to establish the integrity of advertisers, it does not endorse advertised products or services, unless otherwise so stated. This issue may contain legislative advertising. Advertising copy is generally segregated from news and other information.

Chairman’s Corner

Ken LittlefieldChairmanMissouri Bankers Association

On September 5, we completed the last of five MBA Regional Meetings. The meetings were well attended and focused on an overview of the Missouri

banking industry and state and federal legislative and regulatory issues. The meetings were also well attended by candidates for the Missouri legislature. Each candidate was given the opportunity to introduce themselves and say why they were seeking office. Most of the candidates arrived early, mixed with bankers and listened as we discussed the many issues facing the banking industry. We presented a PowerPoint overview of the Missouri banking industry for the candidates. Some of the highlights were:• There are 331 Missouri

banks and thrifts with over 1,700 branches

• Banks employ about 30,000 Missourians

• Missouri banks manage approximately $143 billion in assets

• Missouri banks’ return on assets is about 1.07% and better than the national average

• Asset quality is improving

• Banks supply 65% of the loans to small businesses, the engine of our economy

• Community banks were not the cause of the financial crisis, yet we bear the largest increase in regulatory burden from the Dodd/Frank Act and the Consumer Financial Protection Bureau (CFPB).

• Commercial banks have been the focus of a lot of bad publicity for the TARP program but they have collectively paid back $19 billion more

than was disbursed and more will be paid back in the future

The MBA plans to make a few adjustments to the PowerPoint and make it available to each MBA member for presentations to the media, community and philanthropic groups and organizations. This is part of a grass roots effort to improve the image of banking using information about what banks contribute to our communities and counter the misinformation coming from some politicians and the media. I believe the current and prospective legislators had their eyes opened regarding the massive volume of regulations coming out of the Dodd/Frank Act. Max Cook brought copies of just a few of the currently proposed regulations, containing over 3,000 pages, which were props for the meeting. Some of the candidates did not want to let us think we are the only industry experiencing regulatory overkill. Several of the candidates, who are business owners and professional people, spoke about excessive regulation in their industries, including dealing with federal agencies like the Department of Labor, Environmental Protection Agency, Occupational Safety and Health (OSHA) and others. It’s little wonder that our economy is struggling for a recovery and job creation in the face of so much regulatory head wind. At our Sept. 6, board meeting, the board approved the MBA Federal

Government Relations Policy Positions for 2013. This action by the board sets forth our position on almost 20 different federal issues, most of which are the result of the Dodd/Frank Act and the CFPB. I encourage everyone to get a copy from the MBA website, www.mobankers.com. We will focus on a number of these issues during the up-coming October 2-4 Washington Visit with our congressional delegation and regulators. We would like to see a lot of Missouri bankers make this important visit---it is not too late to register. Please join us on this important trip. One of the most concerning initiatives of the CFPB is in the enforcement of the revised “Unfair, Deceptive and Abusive Acts or Practices.” The word “Abusive” was added to the old Unfair and Deceptive Trade Practices title. My concern is that the term “Abusive” will mean whatever the CFPB wants it to mean. For example, an overdraft fee of $25 or more—or more than one or two a day. The government got into the price fixing business with the passage of the Durbin Amendment and I’m very concerned that the CFPB may decide to control prices for a number of retail banking services and products and impose penalties for those operating outside the government guidelines. Finally, the MBA is providing leadership in fighting restrictions on foreclosure at the local

government level. Several weeks ago, the St. Louis County Council voted 5-2 to require mediation with borrowers prior to foreclosure on any property in St. Louis County. While this is not “Judicial” foreclosure, the mediation will be under the guidance of the county court. If the ordinance stands, it will take longer to foreclose due to anticipated backlogs and the process itself. Furthermore, it will cost lenders more in legal fees, other related expenses and property devaluation. The unintended consequence will be reduced credit availability to those customers who do not have excellent credit and equity in their homes. Another concern of mine is that ordinances with different requirements could be passed by other cities and counties, and then we end up with many different mediation and foreclosure requirements to deal with. Talk about confusion! It is our opinion that this type of local action violates several state constitutional and statutory provisions. The MBA, with a coalition of interested parties, plan to file a legal challenge to this overreaching ordinance in the coming weeks. Stay tuned.Needless to say, there is plenty going on that your association is actively working on…and I have only scratched the surface. I am always open to comments, questions and new issues, so please contact me with anything you want to share. I can be emailed at [email protected].

Banking overview highlighted Regional Meetings

Page 3The Missouri Banker September 20, 2012

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I recently saw a column by Glenn Cook, an editorial writer for the Las Vegas Review-Journal, in which he questioned whether a large majority of citizens are qualified to vote. This has nothing to do with “Voter ID”…this has to do with basic voter knowledge. Mr. Cook (no relation to Max) posted the News IQ Quiz from the Pew Research Center for People and the Press. Take the test and see how you do:1. Which presidential candidate is pro-life, that is, supports restricting access to abortion in most cases?2. Which presidential candidate supports allowing

Can you pass the voter test?

many illegal immigrants who were brought to the U.S. as children to remain in the country? 3. Which presidential candidate opposes allowing gays and lesbians to marry legally?4. Which presidential candidate supports raising taxes on income over $250,000?5. Mitt Romney was the governor of which state?6. Mitt Romney was the CEO of which of these companies: American Motors, Bain Capital, Google or Sears?7. Who is the current vice president of the United States?

8. The Republican Party currently has a majority of seats in:9. Who is the Chief Justice of the United States?10. What state did Barack Obama represent in the U.S. Senate before he became president?11. What does the term “Super PAC“ refer to? Answers are at the end of this column. Over 1,000 adults took this test in July. Just 13 percent got all eleven correct! 44 percent got six or fewer correct and 3 percent missed them all. The point here is that uninformed people are going to go to the polls to elect candidates with absolutely no idea what those candidates stand for. When Mr. Cook

got into the details of who voted, the answers were equally scary. The average “score” for the test was a 7.8 for Republicans and 6.9 for Democrats. A full 60 percent of the quiz takers had no idea who controls the House (Question #8) 47 percent of college graduates missed question #8. The quiz takers were all adults. Many were parents. How informed do you think their children are if the adults cannot even pass this very basic test? Beyond the test is the non-stop avalanche of political ads on television, radio, newspapers and social media. Many of these ads are of questionable accuracy

yet they often become the deciding factor for a number of voters. I don’t know how you’re going to vote in November, but I would urge you to study the candidates and the issues. We get the government we deserve and if we go into the voting booths ignorant of the issues, we have no one to blame but ourselves. Answers:1. Mitt Romney2. (Trick question) Both3. Mitt Romney4. Barack Obama5. Massachusetts6. Bain Capital7. Joe Biden8. U.S. House of Representatives9. John Roberts10. Illinois11. A group able to accept unlimited donations.

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ABA Washington Update

Frank KeatingPresident and CEO

American Bankers [email protected]

I frequently write about the challenges to the banking industry posed by lawmakers and regulators in Washington. After all, their actions and decisions are very much a part of your bank’s operations. The ongoing implementation of the Dodd-Frank Act is taking up more and more of your time and your bank’s resources. Beyond Washington, our industry is also confronting a huge challenge originating from a city located where the Swiss, German and French borders meet – Basel, Switzerland. That’s the origin of “Basel III” — the new international regime for bank capital — which the Federal Reserve, FDIC and OCC released in three joint proposals on June 12. Among other things, the proposals would raise minimum capital requirements, narrow the definition of capital and increase the risk-weights for various asset classes. The original deadline for comments was Sept. 7. That deadline, however, has

been extended until Oct. 22, thanks to ABA, state associations, grassroots bankers and members of Congress, who urgently requested the agencies to provide more time to analyze and comment on the complex proposals that are more than 1,000 pages in length. The complexity of the rules is just one concern among many that we’ve identified with the help of our staff of experts and more than 200-plus bankers who are participating in our Basel III working groups. Another issue is the depressing effect of the proposals on fragile mortgage and housing markets, since banks would have to set aside more money to stay in the mortgage business. The Basel III proposals also discount the depth and diversity of the American banking system. There are more than 7,000 banks of all sizes and business models and that’s too much for a “one size fits all” approach that affords little room for

adjustment. As we continue to point out, successful financial regulation should apply basic standards to all firms in a way that recognizes and accommodates differences between small banks, large banks and many in between. Capital is a simple concept, and for generations it’s been relatively simple to calculate. Under Basel III, complicated capital formulas and rules must be applied. We think this complexity will make capital too opaque for investors to understand. And it is investors who are the key source of funds for bank capital. Given greater uncertainty about how much money they must put at risk for a bank’s business plan, investors will look elsewhere. They’re just not going to invest in what they don’t understand. I’ve described some of our concerns, and we’ll be highlighting these and more in our comment

letters to the agencies. You need to do the same. The regulators need to hear from you about how the Basel III proposals would affect your bank, your business model and your customers and communities. Those new capital regulations may have been drawn up in Basel, but they are going to come down on every hometown bank in America. That’s why ABA has established a Basel III resources section at http://www.aba.com/Issues/Pages/Basel_III.aspx that provides issues to consider, summaries, and tips for drafting and submitting your comment letters. Tell the regulators your story about how these proposals — developed a world away — are going to affect your bank, your customers and your community.

© 2012 American Bankers Association. All rights reserved. Reprinted with permission.

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Bankers, candidates discuss issues at Regional Meetings

MBA Chairman Ken Littlefield waits while Jack Hopkins, Community Bank of Raymore (holding microphone) asks a question during a discussion of banking issues at the Truman and Pony Express Regional Meeting held in Kansas City

MBA President and CEO Max Cook, right, helps John Mayfield introduce himself to the Truman and Pony Express Regional Meeting crowd. Mayfield is a Democrat running for Missouri House District 20. He also is employed at Central Bank of Kansas City.

Max Cook holds the microphone for Rep. Chuck Gatschenberger (R-Lake St. Louis) as he introduces himself at the Gateway Regional Meeting. Gatschenberger is running unopposed for Missouri House District 108.

Rep. Don Phillips (R-Kimberling City), right, introduces himself at the Ozark Regional Meeting in Springfield. Max Cook is at left. Phillips sponsored the private road maintenance agreement bill that was approved in the 2013 Missouri General Assembly.

Rep. Don Ruzicka (R-Mt. Vernon) introduces himself at the Ozark Regional Meeting. Ruzicka is running for reelection to Missouri House District 157. He has no opposition. MBA Chairman Ken Littlefield is holding the microphone.


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Attending the Ozark Regional Meeting were, from left, Sen. Jay Wasson (R-Nixa), who is not running this year, Sonya Anderson, Springfield, a Republican running for Missouri House District 131; Bill Owen, Bank of Bolivar, and Jeff Messenger, Republic, a Republican candidate for Missouri House District 130.

Rep. Paul Fitzwater, (R-Potosi) left visits with MBA Chairman-Elect David Turner at the Gateway Regional Meeting. Fitzwater is running for reelection in Missouri House District 144.

Taking part in the combined Capitol and Mark Twain Regional Meeting in Columbia were, from left, MBA Senior Vice President Craig Overfelt; Rep. Jeanie Riddle (R-Mokane) who is running for reelection in House District 49, and candidate Tim Remole, Excello, a Republican candidate for Missouri House District 6.

Rep. Steve Hodges, (D-East Prairie), left, and Bobby Culler, First State Bank and Trust Company, Caruthersville, attended the River Heritage Region Meeting. Hodges is running for reelection in Missouri House District 149.

MBA Chairman-Elect David Turner, left, visits with Rep. Terry Swinger, (D-Cauthersville), who is running for Missouri Senate District 25.

Mary Dickey, from left, Marilyn O’Bannon, and Gina Raines, all with Paris National Bank, visit with Rep. Paul Quinn (D-Monroe City) at the Capitol and Mark Twain Regional Meeting. Quinn is running for reelection in Missouri House District 40.

Bankers and candidates listen to the program about banking issues at the Capitol and Mark Twain Regional Meeting in Columbia.


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Midwest Bankcentre, St. Louis, returned to the Mis-souri Division of Finance the authorization to operate

a separate branch at 1705 Baxter Rd., Chesterfield. The bank discontinued operation of the branch on July 20,

2012. Security Bank, Rich Hill, received permission to estab-lish a separate branch at 27

N. Main St., Butler. Superior Bank, Hazel-wood, received permission to change its common stock

from $2,950,500 consisting of 590,100 shares of com-mon stock with a par value of $5.00 per share to $590,100 consisting of 590,100 shares of common stock with a par value of $1.00 per share. The change is the result of a reduction in par value of common stock, from $5.00 to $1.00 per share, with $2,360,400 being transferred from the Common Stock ac-count to the Surplus account. Bank CBO, Oregon, Missouri, Oregon, was au-thorized to change its corpo-rate title from Bank CBO, Oregon, Missouri to Bank CBO. The authorization is to correct a previous filing with the Missouri Division of Finance. Central Bank of Kansas City returned to the Mis-souri Division of Finance the authorization for a separate branch at 7101 North Oak Trafficway, Gladstone. The bank discontinued operation of this branch on Aug. 31, 2012. The Commissioner of Finance issued an Order de-claring the acquisition of 100 percent of the voting shares of First Community Banc-shares, Inc., Overland Park, Kan., and First Community Bank, Lee’s Summit, by Equity Bancsshares, Inc., Wichita, Kan. to be lawful under the provisions of Sec-tion 362.915, RSMo 2008. Section 408.030 provides that the Director of Finance shall declare the quarterly market rate of interest each quarter, post it in accordance with Section 362.110 and publish it in appropriate publications. Said quarterly market rate for the period of Oct. 1, 2012 through Dec. 31, 2012, shall be 5.4 per-cent; as an alternative lenders may charge the usury rate of 10 percent. Sterling Bank, Poplar Bluff, received permission to establish a separate branch at 16100 Swingley Ridge Rd., Chesterfield.


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Ten outstanding Missouri bankers age 45 or younger were nominated for the 2012 Young Bankers Leader-ship Award. This award recognizes outstanding achievement by young bankers who are employed by a MBA member bank. Considerations in the selec-tion process include the recipient’s community involvement, personal and professional development, MBA involvement and contributions to banking. The award will be presented dur-ing the Young Banker Leadership Conference being held Oct. 4 and 5 at Tan-Tar-A Resort, Osage Beach.

Dan Combs Vice President/Investment Officer First State Community Bank Farmington Dan Combs is nominated for the Young Bankers Lead-ership award by Greg Allen, chairman and CEO of First State Com-munity Bank. In his nomi-nation, Allen said: “Dan Combs is a wonderful ex-ample of a very well rounded com-munity banker. He is dedicated to his family, his community and the bank-ing industry. While he remains in the early stages of his career, he has already established himself as a key member of our management team.” Combs began his banking career in high school, after proposing that the bank allow him to participate in a new work study program at Farming-ton High School. For two years, he worked in the Bookkeeping Depart-ment, and became involved in many other bank functions. While study-ing at the University of Missouri in Columbia, he continued to work for a financial institution in the credit administration area. After college, he returned home to Farmington and began his full time banking career as a loan review specialist at First State Community

Bank. He has worked in bookkeep-ing, loan review, as a loan officer, bank property manager, disaster recovery officer and now serves as investment officer, managing a $225 million portfolio of securities. Allen said that Combs has been eager to learn more about banking and has attended many MBA pro-grams and schools. He is one of the first FSCB staff members to graduate from the Barrett School of Bank-ing, and Combs was a member of the MBA Young Bankers Leadership Board of Directors. Since his teen years, Combs has been involved in Farmington’s civic activities through the Chamber of Commerce. He has also served as a City Council member and is a member of Kiwanis Club, Knights of Columbus and the Downtown Farmington Organization. In addition to his professional accomplishments, Combs has a close relationship with his family and his church. He helps his family in business ventures and is involved with his children’s school and athletic events. “Dan has shown a tremendous work ethic during his career, which has set a great example for the younger members of our team,” Al-len said. “His drive and dedication make him a tremendous asset for our organization, our community and the banking industry.”Dawn Dauer Community Bank President The Bank of Missouri Cape Girardeau John M. Thompson, president and director at The Bank of Mis-souri, Cape Girardeau, nominated Dawn Dauer, community bank presi-dent, for the Young Bank-ers Leadership Award. Dauer began working in bank-ing in 1991 at Union Planters Bank in bookkeeping and as a teller at Union Planters Bank, Perryville. She

also worked from 1994 to 1996 as a drive-up teller at Mercantile Bank, Springfield. She joined The Bank of Missouri in 1997 as a loan officer and has advanced to the position of com-munity bank president. Dauer earned her BS degree in business administration from Evan-gel University, Springfield, in 1997, and completed the Stonier Graduate School of Banking in 2006. She serves on multiple commit-tees in the Cape Girardeau include the Chamber of Commerce where she serves on the Board of Directors, Leadership Development Com-mittee, Education Committee and the Government and Public Policy Committee. She also serves on the Community Development Commit-tee, which has the mission to help area businesses that need assistance financing start-ups and expansions. Dauer also serves as a volunteer for the Junior Achievement program, which teaches financial literacy and life skills in elementary and high school. She currently works with three third grade classes at Jeffer-son Elementary School, which is The Bank of Missouri’s Partner in Education. In addition to volunteer-ing for Junior Achievement, Dauer also served on the advisory board for Southeast Missouri from 2005 to 2011. She is active in her church, Cape First Church, where she is on the praise and worship team and has led a small group Bible study. She also works in outreach for adults and teens.Kyllie L. Durant Vice President Horizon State Bank Cameron Kyllie L. Durant, vice president, Horizon State Bank, Camer-on, is nomi-nated for the Young Bank-ers Leadership Award by Roger D. Du-rant, president and CEO. Roger Durant said in his nomina-

tion, “In her 11 years here at Horizon State Bank, I feel this young lady has accomplished many outstand-ing achievements. She started her employment here when she was 15-years-old. She had not yet ob-tained her driver’s license and there-fore her mother and I would go to the high school to pick her up, so she could work as a part-time teller. Even then she told me, ‘Dad, I’m going to have your job someday.’” In July of 2007, Kyllie was named administrative assistant and began working at the bank full time. Roger says that by then she had knowledge of the bank’s customer base and could help out and train in many departments. Kyllie has attended MBA conven-tions since she was very young and has made trips to meetings in Wash-ington, D.C., with her parents and grandfather to learn about banking is-sues and interact with Congressional lawmakers and the regulators. She has attended many MBA education events and has served on the Young Bankers Board of Directors. Kyllie is a member of the current Missouri Bank Leadership class. Kyllie was named assistant com-pliance officer in 2010 and in 2011 was selected to share the work load and responsibility of operations of-ficer. She began making loans and attracted young people to the bank to discuss large and small loan opportu-nities. She started secondary market loans. Because of her accomplish-ments in operations and loans, the board named her an advisory director and vice president in 2012. She is active in community activi-ties and has volunteered to represent the bank in the Fourth of July Parade since she was a child. She orga-nized the four banks in Cameron to participate in MBA’s fundraiser for Segs4Vets. Kyllie is a member of Sertoma and is active in the Cameron United Methodist church where she has chaired the pictorial directory and cookbook.Misti Johnson Senior Vice President Boulevard Bank Neosho Misti Johnson, senior vice presi-

Ten outstanding Missouri bankers nominated

Dan Combs

Dawn Dauer

Kyllie L. Durant


dent, Boule-vard Bank, Neosho, was nominated by Judy Day, vice presi-dent. Day says that John-son’s banking experience started the month she turned 19, and she’s never looked back. Her first job was in the Accounting Department at what was then Neosho Savings and Loan Association. She assisted the bank’s comptroller in a variety of duties and displayed a talent for solving problems and clearing up accounting roadblocks, especially as the bank grew, was acquired by a holding company and was renamed Boule-vard Bank. Johnson held a variety of positions before being named senior vice pres-ident. She was critical in developing improved methods of technology and keeping up with government regula-tions and requirements. Boulevard Bank was “real time” with customers before other banks in the area, and continues to lead in the development of online services, telephone bank-ing, etc. Day says, “Misti was the driving force behind the implementa-tion of these programs and the train-ing of personnel to keep everything running smoothly.” Johnson is currently responsible for both the retail and lending areas of the bank and reports directly to the Board of Directors. Although her primary focus is on bank operation, she takes part in Chamber of Commerce events, coaches youth soccer and partici-pates in activities where bank em-ployees come together in community projects. She recently worked with Boulevard Bank employees to serve lunch to more than 700 FBLA stu-dents planting trees in Joplin as part of the “Rooting for Joplin” project. “She never hesitates to volunteer for these projects,” Day says, “and serves as an excellent role model for all of us who know how little free time she has.”

Johnson is completing the college studies she interrupted to begin her banking career. She is also a student at the Stonier Graduate School of Banking.Tammy M. Kelley Internal Control Officer Old Missouri Bank Springfield Tammy M. Kel-ley, internal control officer, Old Missouri Bank, Spring-field, was nominated for the award by David L. McBeath, the bank’s executive vice president and CFO. In nominating Kelley, McBeath said, “Tammy truly stands out for her energy, desire to learn and willingness to take on any task, plus she has the underlying technical and people skills to accom-plish the individual task or bigger goal.” Kelley began her banking ca-reer at Old Missouri Bank in 2003, working as a part-time teller while attending college. She was graduated from Missouri State University in 2007 with a degree in business ad-ministration, and in January of 2008 was named full-time internal auditor, a new position at the bank. She was promoted to officer status in October of 2010. Kelley is also involved in various community service events includ-ing Relay for Life, Heart Walk and United Way Day of Caring. Most recently with United Say Day of Caring she coordinated a group of Young Bankers from MBA’s Ozark Region to participate. She coordinat-ed a Young Banker financial literacy challenge for Teach Children to Save in April. She is the coordinator for the bank’s EverFi financial literacy program that is sponsored in two high schools. She also serves as one of the bank’s contacts for Ambassadors for Children, a local non-profit organiza-tion that serves the needs of abused

and neglected children. Kelly completed the MBA School of Bank Management in 2011 and is now a student at the Graduate School of Banking, Madison, Wisc. Kelley is a banker, student and a community volunteer all while raising five-year-old twins. She is married to a policeman whose own job requires varying shifts and being at risk to protect others.Sarah Lowe Assistant Vice President – Banking Center Manager Metropolitan National Bank Springfield Sarah Lowe, assistant vice president, banking center manager at Metropolitan National Bank, Springfield, was nominated for the award by Sharon Day, executive vice president and chief financial officer. Lowe entered banking in 1996 as a part-time teller for Citizens State Bank in Marshfield, later to be known as Metropolitan National Bank. Day said, “Recognizing her strong work ethic, the bank offered Sarah full time employment where she gained experience as a safe box teller. Her leadership qualities quickly became evident and she was promoted to senior teller and given the responsibility of teller mentor.” She was later named a teller super-visor, and then was promoted to assistant banking center manager at the bank’s Marshfield Banking Cen-ter. In 2008, Lowe’s dedication to the bank and her superior customer service gained her the top retail posi-tion at the Marshfield facilities, and whe was promoted to assistant vice president, banking center manager. Lowe manages the retail staff of two locations with a deposit base of $87 million, or 22 percent of the bank’s total deposit. In addition to her officer position, Lowe was chosen to chair the bank’s Heritage Committee because of her historical knowledge of the bank, its

customers and her commitment to the bank’s mission and vision. She served as chair of the bank’s Win-ners’ Circle Committee, a group dedicated to selecting and acknowl-edging outstanding employee perfor-mance. She also has been inducted into the Winners’ Circle. Lowe was recently selected from nominees throughout the country to receive the ICA Branch Referral Champion designation from Invest-ment Centers of America for her con-tributions in generating intradepart-mental synergy with bank employees that resulted in excellent financial customer service and top referrals. Lowe is an active volunteer in the Marshfield community working with the Chamber of Commerce, Webster County Ozarks Area Com-munity Action Corporation, Ameri-can Cancer Society Relay for Life, and the American Red Cross. She also volunteers as a reader at the local elementary schools and at St. John’sMercy Hospital. She also is a wife and mother of two children, ages eight and four. Day said, “Sarah’s dedication and loyalty is that of a true team player. Her enthusiasm allows her to reach far beyond the expected, which cre-ates an environment others want to be a part of.”Patrick Scott Vice President Arvest Bank Carthage Patrick Scott, vice president, Arvest Bank, Carthage, was nominated for the award by Bill C. Lee, commu-nity president with Arvest. Scott began his career with Arvest in 1999 as a part-time teller/FSR while attending Missouri Southern State University in Joplin. After he received his BS degree in business administration and accounting, he chose to stay with

See Young Banker, Page 12

for 2012 Young Banker Leadership Award

Misti Johnson

Tammy M. Kelley

Sarah Lowe

Patrick Scott


Arvest. He is now one of the bank’s senior lenders, handling a $75 mil-lion portfolio. Scott says he believes education is a privilege and feels blessed that he has been able to pursue his educa-tional, personal and professional development goals. “I was adopted from a South Korean orphanage when I was six years old. So, I often wonder if I would have been given an opportunity to go to school if I were still in Korea,” he says. Scott has completed the MBA School of Lending and the Gradu-ate School of Banking at Southern Methodist University. He is currently studying to earn his Certified Finan-cial Planner (CFP) designation. He serves as a Board member on the Carthage Chamber of Commerce, McCune Brooks Healthcare Founda-tion and Carthage Rotary Club. He is an Advisory Board member for the Carthage Future Business Lead-ers of American and for the Carthage Technical Center with the Carthage R-9 School District. In the past few years, Scott has received several awards for service to his community and the bank. He was acknowledged by the Springfield Business Journal for being a member of the “40 under 40” class of 2011. These individuals are considered to be the top 40 up and comers in the Southwest Missouri region. Lee said, “Patrick is truly a unique and committed young professional who is focused on life, family and professional responsibility. Patrick and his wife, Julie, have three beauti-ful children and while staying busy, he still finds time to spend quality time with his family.”Kyle M. Thompson Vice PresidentCommercial Lending The Bank of Missouri Jackson John M. Thompson, president and director of The Bank of Missouri, Cape Girardeau, nominated Kyle M. Thompson, vice president, commer-cial lending, The Bank of Missouri, Jackson, for the Young Bankers Leadership Award. Kyle earned his BS degree in agri-business management in 2003 from

the University of Missouri, Columbia. He also has completed the South-west Gradu-ate School of Banking, Dal-las, Tex, and the Graduate School of Banking, Madison, Wisc. His banking career began in 2005 when he joined Montgomery Bank, Cape Girardeau as a customer service representative and branch opera-tions administrator. He was named a commercial relationship manager in 2006. Kyle joined The Bank of Missouri, Jackson in 2007 as a com-mercial loan officer and was named vice president, commercial lending in 2010. He is active in the Jackson com-munity serving as chairman of the Crossroads Fellowship Finance Committee and vice chairman of the Friends of Scouting Campaign. He is a Board member for the Jackson Area Chamber of Commerce and volun-teers for Junior Achievement. He has chaired the American Heart Associa-tion Heart Walk and the American Cancer Society Cancer Gala. Kyle is a past secretary of the Mizzou Alumni Association.Duston Weisenborn Assistant Vice President Adams Dairy Bank Blue Springs David Chin-nery, president and CEO of Adams Dairy Bank, nomi-nated Duston Weisenborn, assistant vice president, Adams Dairy Bank, for the Young Bankers Leadership Award. Chin-nery says that although Weisenborn’s achievements are impressive, his true qualities as a leader and mentor pres-ent themselves in the most unusual circumstances.

The bank often opens its doors to youth groups and their parents to tour the bank. “Admittedly some of these parents are skeptical about the next 45 minutes touring a bank,” Chinnery says. “Then along comes Duston Weisenborn. It may sound clichéd or even corny, but Duston could well be called the Pied Piper of banking. For the next 45 minutes Duston makes banking sound interesting, if not exciting. He imparts banking knowl-edge, as both youngsters and their parents absorb, with enthusiasm and tremendous sincerity.” “This is clearly an individual who loves his work and appreciates that banking is important to everyone – whether they appreciate it or not,” Chinnery says. Weisenborn is a graduate of Longview Community College and the University of Central Missouri. He began his banking career when he started working at First Com-munity Bank, Lee’s Summit, while studying finance in college. Chinnery says Weisenborn demonstrated such leadership at First Community Bank that he was asked to join the group that launched Adams Dairy Bank in 2007. He was one of three start-up associates. He has progressed through the organization from administration assistant to holding most positions including loan processor, analyst and teller. He has worked in just about every aspect of the business. He is a graduate of the MBA School of Lending, Graduate School of Lend-ing and School of Bank Manage-ment. Weisenborn’s community activi-ties include Chamber of Commerce membership in both Grain Valley and Blue Springs. He volunteers for Meals on Wheels, Harvesters and the Ronald McDonald House. He is a volunteer judge for the district DECA Competition and is a member of the Lees Summit United Methodist Church.Andy Weissler Vice President,Commercial Lending The Business Bank of St. Louis Clayton Larry Kirby, president and CEO,

The Business Bank of St. Louis, nomi-nated Andy Weisler for the Young Bank-ers Leader-ship Award. Weisler is vice president, commercial lending for The Business Bank. Weissler is currently vice presi-dent, commercial real estate at The Business Bank of St. Louis. He is re-sponsible for developing and manag-ing a diversified portfolio of commer-cial real estate loans and assets for the bank. He joined the bank in 2004 as a credit analyst when it had been in business for only two years, and worked his way up to commercial loan officer and to his current posi-tion in the bank’s commercial real estate group. Weissler has grown his portfolio to more than $55 million. Weissler graduated from the University of Missouri, Columbia in 2002 with a degree in human envi-ronmental sciences and a major in personal financial planning. He is a certified mortgage loan officer. Weissler says that the downturn in the banking industry between 2008 and 2010 presented a signifi-cant professional learning experi-ence not offered in any classroom. “The recession helped me become a better banker,” he says. “I learned to manage a portfolio in very challeng-ing situations. It allowed me to see what can go wrong, and it enabled me to learn how to better structure loans and help clients when times are tough.” In the community, he is actively involved with Habitat for Humanity. He is an active member of the Home Builders Association of St. Louis and the Associated General Contractors of St. Louis. Weissler is also active in the St. Louis Tiger Club and the Mizzou Alumni Association. Since 2006, he has chaired the Tiger Club’s annual golf tournament, which is a major fundraising event for athletic scholar-ships for Mizzou students.

Kyle M. Thompson

Duston Weisenborn

Andy Weissler

Young Banker Leadership AwardFrom Page 11


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Resort, Osage Beach17 Safe Deposit Seminar, Stoney Creek Inn, Columbia18 Bank Security Seminar, Stoney Creek Inn, Columbia23 IRA Update Seminar, Drury Lodge, Cape Girardeau24 IRA Update Seminar, Holiday Inn Executive Center,

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Columbia12 IRA Update Seminar, Cape Girardeau13 IRA Update Seminar, Columbia14 IRA Update Seminar, Springfield15 IRA Update Seminar, Kansas City

The MBA has joined with bankers associations across the country to create the Regulatory Feedback Initiative (RFI). This initiative will bring transparency and accountability to the regulatory process and will help every bank in the country prepare for their examinations and manage their regulatory risk. The initiative consists of a brief, anonymous online survey that we are asking every bank to take immediately following each safety and soundness examination and each compliance examination. We need every bank to build the survey into their examination process. For more information, visit the Alliance of Bankers Associations web site at www.allbankers.org. To receive a link to the survey contact Mike Noblett at the MBA via email at [email protected].

MBA is a part of Regulatory Feedback Initiative (RFI)

STEP UP


MBAdsFor sale/lease: Full service bank facility located in Parkville, Mo. For information go to the web site of Hakes Real Estate at www.hakesre.com office listings.

UMB Bank (Kansas City, MO) is seeking a Loan Review Of-ficer to assist the Loan Review Manager in determining the credit risk of UMB’s highly com-plex large-dollar-amount loan portfolio and to make recom-mendations to senior manage-ment. 6+ years experience required. Extensive lending knowledge and well developed credit analysis abilities re-quired. Apply online at https://careers.umb.com.

EFL Associates, Inc. has been retained to recruit a Chief Ex-ecutive Officer (CEO) on be-half of our confidential client, a forward thinking, privately-held multimillion dollar banking company, headquartered in the Central Plains region of the Midwest. Reporting to the bank’s Chairman, the CEO will provide strategic leadership and serve as a member of the board of directors. Credentials sought include 15 or more years experience as a senior level manager in a financial in-stitution, a proven track record of strong credit skills and solid lending “instincts” and a Bach-elor’s degree in Accounting or Finance or a related field. To apply, or for more information, please contact Andrea Forrest at [email protected].

Safekeeping Specialist: Midwest Independent Bank, Jefferson City, MO is currently seeking a full time Safekeep-ing Specialist. This position is responsible for the administra-tion of investment payment activity, settlement, and docu-mentation. To apply and view full details visit our website at www.mibanc.com and click on Employment.

MODULAR BANKING CEN-TER: 2,128 SF, fully alarmed and reinforced with 3 Teller Lanes, Alarm, Night Deposito-ry, new Cat5 and CCTV wiring. Conference room, 4 offices, lobby, work room, kitchen, 2 bathrooms. Contact Mary at (314) 550-7292 or email [email protected]

A bank in Southwest Missouri is looking for an individual to fill an officer position work-ing with loan review and compliance. The successful candidate will be an energetic self-starter with banking and loan experience. Formal com-pliance training is not required, but some commercial lending experience is preferred. Inter-ested candidates should apply to: Department A, Missouri Bankers Association, PO Box 57, Jefferson City, MO 65109.

We are a locally owned and operated community bank looking for a loan officer to join our team. We are seek-ing a professional candidate with strong written and verbal communication skills and a solid professional work ethic. An applicant with lending experience in a bank/financial institution or regulatory setting is preferred. Primary duties will include a heavy focus on new lending opportunities, particularly in the area of agri-culture, as well as the service of existing customers. Excel-lent benefits offered and salary is commensurate with experi-ence. To apply please contact us at: Macon-Atlanta State Bank, Attn: Scott Nelson, Executive Vice President, P.O. Box 128, Macon, MO 63552 or email [email protected].

For more information about placing an ad in the MBAds section of The Missouri Banker, email Sue Norfleet, editor, at [email protected] or call 573-636-8151.

Missouri Bankers Association Silent Auction

Donation Form

Name_________________________________________________________________________ Bank/Co. _____________________________________________________________________ Address ______________________________________________________________________ City, State, Zip ________________________________________________________________ Phone _________________________________E-mail _________________________________ Gift Item and Brief Description __________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ Retail Value $ _________________________________________________________________ Please complete this form and return to the MBA office. We ask that you bring your item to the Executive Management Conference “Registration Desk”. If you wish to contribute and cannot be present at Executive Management Conference, or if it is not practical to have the item physically present at the Conference, items may be shipped to the MBA office. Donors will receive full credit at the auction for contributions, and donated items will be published in the Silent Auction Catalog.

Contributions may be made anonymously upon request.

Please complete and return to:

Rachael Preston Missouri Bankers Association

PO Box 57, Jefferson City, MO 65102 (573) 636-8151

Fax (573) 634-2754 [email protected]

PLEASE RETURN DONATION FORM BY NOVEMBER 16 so that we may include your item in the Silent Auction Catalog.

The Annual MBA Silent Auction will take place on December 6 at the Missouri Bankers Association’s 2012 Executive Management Conference at the Intercontinental Hotel, Kansas City, Missouri. The Silent Auction benefits the Missouri Bankers Foundation, which was established to provide scholarships for deserving high schools students planning to pursue banking-related college degrees. Foundation funds are also used for scholarships and awards for young bankers already working in the Mis-souri banking industry. The Foundation sup-ports statewide financial literacy efforts, the robbery reward program, a speaker’s series and The 50 Year Club recognition. This year we’re adding something new to our traditional Silent Auction. In conjunction with the auction, the MBA will host a “Wall of Wines” raffle.

Please consider a donation for this year’s auction. Some popular items that have been donated in the past include: collect-ibles, Christmas items, golf/sports/hunting equipment, certificates, autographed items, handcrafted or one-of-a-kind items, art and jewelry. We appreciate the generosity of our mem-bers and the great donations we receive every year. Every donation helps. Not sure what to donate? Let us do the shopping! Cash dona-tions will be used to purchase items to round out items up for bid. The Silent Auction and Wall of Wines raffle will take place on Thursday, December 6 from 5:00 p.m. until 6:30 p.m. If you need ideas or have questions please feel free to contact Rachael Preston at (573) 636-8151 or by e-mail at [email protected].

Silent Auction planned to benefit Missouri Bankers Foundation

Senior Bank Management Conferenceset for Jan. 12-19 in Aruba MBA’s 2013 Senior Bank Management Conference will be held Jan. 12 to 19 at The Aruba Hyatt Resort and Casino. The resort is located on Aruba’s Palm Beach. The resort features a spa and a nearby 18-hole golf course. Deadline to register for the conference is Oct. 1. For more information, call Pam White at 800-544-3019.


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Members can access $6M national account purchasing power The Missouri Bankers Association has a partnership with Office Depot which delivers an outstanding value proposition for MBA member banks and associate members. As an Office Depot customer, MBA members enjoy discounts up to 80 percent off MSLP on a core list of more than 200 high-use commodity items and banking industry specific products. In addition to the core list, MBA members can add an additional 75 items tailored to the needs of their organization. An example would be adding specific items such as toner or ink jet cartridges. For miscellaneous items outside the core and custom tailored list, banks can choose any other product in the Business Services Division full line catalog at 10 percent off retail published prices. There’s more to the Office Depot program than

just office supplies! MBA members will also receive discounts on office furniture, print/copy services, custom business forms, stationery supplies, promotional products, lunchroom provisions and janitorial supplies. Office Depot benefits go beyond great pricing. Customers also receive free, delivery by Office Depot truck or UPS, access to Office Depot’s exclusive Business Services Division website, strategic brand name partnerships and ease in economizing your organization’s operations. Office Depot’s website offers several tools for management that help:• Control spending by

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Sixty MBA Young Bankers took part in Young Bankers Day at the Federal Reserve Bank of Kansas City on Aug. 14. The day included presentations from Kansas City Fed President Esther George, center wearing the black and white jacket, and economists Jim Hunter and Adam Pope, lunch and a guided tour of the money museum. MBA President and CEO Max Cook is to the right of George.

Achievements Jill Wagner was promoted to senior vice president and chief financial officer at Peoples Bank, Cuba. She joined the bank in June of 2008 as vice president and controller and will continue her duties heading up the bank’s Finance Department. In 2009, Wagner was promoted to vice president, secretary and a director of Peoples Bancorporation, the parent company of Peoples Bank. Catherine Casey has joined Metcalf Bank as vice president/manager in small business lending. She has more than 20 years’ experience in SBA lending.

Micah Scott was named assistant vice president, small business lending officer for Guaranty Bank, Springfield. He started his career with the bank in 2008 as a credit analyst. Ron Rushing was promoted to executive vice president, chief credit officer, at Metropolitan National Bank, Springfield. He joined the bank in 2009. Rick Windes was promoted to executive vice

president, senior regional lender at Metropolitan National Bank. He has worked in banking for more than 18 years. Keran Lemons was named executive vice president and loan manager at Arvest Bank’s Republic Road location in Springfield. He has been with the bank since 2007 when he began as a commercial lender. He was named loan manager in 2009. Midwest Regional Bank, Festus, announced that two area presidents have joined the bank. Sanford B. Scott will run the Clayton market, and Gary L. Siddens Jr., will head the Sunset Hills area. Scott is a commercial lending expert with more than 30 years’ experience, and Siddens has 25 years of experience in financial services. Matt Keeth was promoted to assistant vice president, special assets

analyst at Guaranty Bank, Springfield. He has been with the bank since February of 2007. Jack Baker has been named to the Advisory Board for Branson Bank, Branson. He is president of the Forsyth School Board, a position he has held for 18 years. He also serves as a city councilman in Forsyth. Roy Combs also was named to the Branson Bank Advisory Board. He has an extensive farming history in the Bradleyville area. Tom Snyder was named to the Branson Bank Advisory Board. he is active

in the MS Society, presiden of Kiwanis Club and has coached many sports teams in the Branson area. Krystal Kauffman was promoted to an assistant vice president in her role as internal audit officer for Guaranty Bank, Springfield. She joined the bank in 2007. She oversees the bank’s audit procedures and schedule, assists with external exams and audits and provides training to bank personnel in performing audits. Keith Bax joined Central Bank, Jef-ferson City, as an Inves-torServices representa-tives. He has 15 years of banking experi-ence.

Jill Wagner

Catherine Casey

Micah Scott

Ron Rushing

Rick Windes

Jack Baker

Roy Combs

Tom Snyder

Keith Bax


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St. Louis ..................... 866-435-3020Pacific Coast Bankers’ Bank

San Francisco, CA ..... 800-688-5342Southwest National Bank

Wichita, KS ................ 316-838-5741TIB - The Independent Bankers-Bank

Dallas, TX ................... 800-288-4842Texas Capital Bank

Kansas City ................ 913-549-3539UMB Bank, N.A.

Kansas City ................ 866-651-9262US Bank - Kansas City

Kansas City ................ 888-266-6261US Bank - St. Louis

St. Louis ..................... 888-465-4540Union Bank, N.A.

San Francisco, CA ..... 816-229-7884Wells Fargo & Company

Des Moines, IA ........... 515-213-4627

Data Processing

CSI (Computer Services, Inc.) ................................... 800-545-4274

FISERVKansas City ................ 800-892-5907St. Louis ..................... 314-231-3800

Jack Henry BankingMonett ......................... 417-2356652

Missouri Valley Technologies LLCSt. Charles ................. 636-939-1441

Debit and Credit Cards

TransFundTulsa, OK ................... 800-588-6816

UMB Bank, N.A.Kansas City ................ 866-651-9262

VantivCincinnati, OH ........... 513-900-4613

Bankers’ Resource Directory


Bankers’ Resource DirectoryExecutive & Director

Benefit PlansBank Financial Services Group

Edina, MN .................. 800-931-7782

Financial Education ServicesW EverFi, Inc.

Washington, D.C. ....... 319-290-9804

FundingBancAlliance

Chevy Chase, MD ...... 301-232-5400Federal Home Loan Bank of Des Moines

Des Moines, IA . . . . . 800-544-3452W Promontory Interfinancial Network

Overland Park, KS . . 866-776-6426

Government AgenciesMissouri Agricultural and Small Business Development Authority

Jefferson City ............. 573-751-2129Missouri Development Finance Board

Jefferson City ............. 573-522-4527

IRA & Qualified Plan ServicesW Ascensus

Brainerd, MN. . . . . . . 800-346-3860

IT Security Services10-D Security

Overland Park, KS ..... 877-204-5769Technology and Networking, Inc.

Cape Girardeau ......... 800-455-2721

Insurance/BondingW ABA Insurance Services, Inc.

Call MBA Insurance Group at800-234-4939

Agents National TitleColumbia ................... 866-483-2763

AmTrustCall MBA Insurance Group at800-234-4939

BanComp Insurance GroupCall MBA Insurance Group at800-234-4939

FinSecureCall MBA Insurance Group at800-234-4939

IAC GroupPrairie Village, KS . . . 800-821-5434

W J.T. Miller Company, Inc.Minneapolis, MN . . . . 800-328-4545

Kansas Bankers Surety CompanyTopeka, KS ................. 785-228-0000

Lenders Insurance Solutions Group, LLC

Ozark ......................... 417-581-8070

Lenders Insurance Solutions Group, LLC

Ozark ......................... 417-581-8070MBA Insurance Helpline

Jefferson City . . . . . . 800-234-4939Mountain Life Insurance Company

Alcoa, TN . . . . . . . . . 800-888-6542Radian Guaranty

Philadelphia, PA ......... 800-523-1988Spectrum Financial Services Inc.

Omaha, NE . . . . . . . . 800-421-8339W Travelers Insurance

Call MBA Insurance Group at800-234-4939

Truman Wilson & AssociatesLawrence, KS . . . . . . 816-387-1595

USAASan Antonio, TX ......... 210-498-1264

Winter-Dent & CompanyJefferson City ............. 573-634-2122

Investment Banking

Central States Capital MarketsKansas City ................ 816-714-3104

Raymond James Morgan KeeganMemphis, TN ............. 800-564-2249

Sandler O’Neill & Partners, L.P.NY, NY . . . . . . . . . . . . 212-466-7800

The Capital Corporation, LLCLenexa, KS . . . . . . . . 913-236-8188

UMB Bank, N.A.Kansas City ................ 866-651-9262

Law FirmsArmstrong Teasdale LLP

Kansas City . . . . . . . . 816-221-3420St. Louis . . . . . . . . . . 314-621-5070

Bryan Cave, LLPKansas City . . . . . . . . 816-391-7649St. Louis . . . . . . . . . . 314-259-2000

Carnahan, Evans, Cantwell & Brown, P.C.

Springfield ................. 417-447-4400Hunton & Williams, LLP

Dallas, TX ................... 214-468-3307Husch Blackwell

St. Louis . . . . . . . . . . 314-480-1500Kansas City . . . . . . . . 816-983-8000

Kramer & Frank, P.C.St. Louis ..................... 800-288-5437

Lathrop & Gage LLCKansas City ................ 816-292-2000

Lewis, Rice & Fingersh, L.C.St. Louis . . . . . . . . . . 314-444-7600

Martin, Leigh, Laws & Fritzien, P.C.Kansas City ................ 816-221-1430

Polsinelli Shughart P.C.St. Louis . . . . . . . . . . 314-889-8000Kansas City . . . . . . . . 816-753-1000Springfield ................. 417-869-3353

South & Associates, P.C.Overland Park, KS . . 913-663-7600St. Louis . . . . . . . . . . 314-655-7001

Spencer Fane Britt & Browne LLPKansas City . . . . . . . . 816-474-8100St. Louis . . . . . . . . . . 314-863-7733Jefferson City . . . . . . 573-634-8115

Stinson Morrison Hecker LLPKansas City . . . . . . . . 816-842-8600St. Louis . . . . . . . . . . 314-863-0800Jefferson City . . . . . . 573-636-6263

The Banking & Tax Law Group LLPLeawood, KS ............. 913-397-2701

Thompson Coburn LLPSt. Louis . . . . . . . . . . 314-552-6000

Lending Risk ManagementAlvarez & Marsal Financial Industry Regulatory Advisory Services

St. Louis ..................... 713-224-4706Cochran Associates

Jefferson City . . . . . . 573-634-4304

MarketingCountry Club Bank Wheatland Advisors

Belton ......................... 816-318-8884W MPI Coin

Grafton, WI . . . . . . . . 800-459-9487W Textcaster

Kansas City . . . . . . . . 816-746-6835

Modular Banking FacilitiesMPA Systems, Inc.

Sanger, TX . . . . . . . . 888-233-1584

Mortgage Lending

BancAllianceChevy Chase, MD ...... 301-232-5400

Banc MacPawnee, IL . . . . . . . . 888-821-7729

Missouri Housing Development Commission

Kansas City .......................................Mortgage Services III, LLC

Bloomington, IL ......... 815-378-8551

Office Supplies & SolutionsW Office Depot

................................... 636-358-9093

Other FinancialProducts & Services

Affordable Equity Partners, Inc.Columbia ................... 573-443-2021

W Community Bank Services/REOdeedwagon.com

Raleigh, NC................ 800-662-7044Harland Clarke

San Antonio, TX ......... 800-382-0818

MBA Bankers Service Corporation’s Title Service

Jefferson City . . . . . . 573-636-8151State Farm Bank

Bloomington, IL ......... 309-735-0175

Payment TechnologiesClearent, LLC

Clayton ....................... 314-732-0515FIS

Jacksonville, FL ......... 888-323-3010Jack Henry Banking

Monett ........................ 417-235-6652

Real Estate ServicesREO Xpress

Arnold ........................ 800-381-2575

Resorts and HotelsTan-Tar-A Resort, Golf Club, Marina & Indoor Water Park

Osage Beach . . . . . . 573-348-8554

Shredding ServicesW Cintas

Hazelwood . . . . . . . . 800-795-7368

Training ServicesUMB Bank, N.A.

Kansas City ................ 866-651-9262

Travel ServicesACENDAS

Mission, KS . . . . . . . . 913-671-7700 . . . . . . . . . . . . . . . . 800-544-3019

Trust ServicesCitadel Trust Company

St. Louis ..................... 314-997-1110

KeyMBA Associate Members and MembersW Endorsed Vendors

Call Rachael Preston at573-636-8151

or e-mail her [email protected] more information about

becoming an Associate Member of the MBA


CONFERENCE AGENDAThursday, October 4 _________________________________________9:00 a.m. Registration10:00 – 10:15 a.m. Call to Order & Welcome10:15 – 11:15 a.m. General Session

It’s Your Industry . . . It’s Your Future Albert C. (Kell) Kelly, Jr.ABAChairmanSpirit BankBristow, Oklahoma

11:15 – 11:30 a.m. Refreshment Break11:30 a.m. - 12:15 p.m. Breakout Session (3 concurrent sessions)

Compliance: What’s Hot and What’s Hot - Topics and UpdatesDenny DeischerMissouri Bankers AssociationJefferson City, MO

Talent Management: Recruiting and Retaining the Best & BrightestBrian TownleyMotivational Management GroupWoodway, TX

The Digital Transformation – Are You Prepared?Jon E. MichelsenFiservLincoln, Nebraska

12:30 – 1:45 p.m. Lunch & Young Banker Leadership Award1:45 - 2:30 p.m. Breakout Sessions Repeat2:30 - 2:45 p.m. Refreshment Break2:45 – 4:15 p.m. General Session

Inspiring Leadership: Unleashing Motivation in the WorkplaceBrian Townley

6:00 – 10:00 p.m. Reception, Dinner & Networking Entertainment

Friday, October 5 ___________________________________________8 – 8:45 a.m. Buffet Breakfast8:45 - 9:45 a.m. General Session

Year of the Dragon or Another Year of Draggin’?Chris Kuehl Armada Corporate IntelligenceKansas City, Kansas

9:45 - 10 a.m. Refreshment Break10 – 11 a.m. General Session

Pushing the Limits on What You Know and DoJuli Lynch, Ph.D.Turning Pointe ConsultingLake Mills, WI

11 a.m. Adjourn

GENERAL INFORMATION

Hotel Information - The conference will be held at Tan-Tar-A in Osage Beach, Missouri. The room rate will be $119 per room, per day, plus tax for single or double occupancy. Rooms will be available at 4 p.m. the day of check-in.

To reserve guest accommodations, complete the hotel reservation form and return it to Tan-Tar-A, PO Box 188TT, Osage Beach, MO 65065 or telephone the hotel directly at 573-348-3131 or 800-826-8272.

EARLY RESERVATIONS ARE ENCOURAGED.

Method of Payment _________________________________________ Member Fee ................. $350.00 # ______ $ __________

Non-Member Fee ......... $700.00 # ______ $ __________

Total amount due $__________

Check enclosed, payable to MBA.

Invoice the bank.

Credit Card Payment* (Please type.) VISA MasterCard

*Only VISA and MasterCard are accepted.

Exp. Date _______________No. _____________________________________

Type Name ______________________________________________________

Signature ________________________________________________________

2012 Young Bankers Leadership Conference Registration FormPlease register the following individual. Please enter the information below EXACTLY as you wish it to appear on your name badge and registration

list. Please copy this form for additional registrations.

Organization Information _____________________________________Bank ____________________________________________________________

Address __________________________________________________________

City/State/Zip _____________________________________________________

Phone__________________________FAX ________________________

Name of Attendee ___________________________________________Name _____________________________________________________________

Title ____________________________________________________________

City ____________________________________________________________

E-Mail __________________________________________________________

2012 Young BankersLeadership ConferenceOctober 4 & 5, 2012Tan-Tar-A ResortOsage Beach, Mo.


COMPLETE CONFERENCE INFORMATION CAN BE FOUND ON THE MBA’S WEB SITE AT WWW.MOBANKERS.COM.

Method of Payment _________________________________________ Member Fee ................. $325.00 # ______ $ __________

Each Add’l ................... $275.00 # ______ $ __________

Non-Member Fee ......... $500.00 # ______ $ __________

Total amount due $__________

Check enclosed, payable to MBA.

Invoice the bank.

Credit Card Payment* (Please type.) VISA MasterCard

*Only VISA and MasterCard are accepted.

Exp. Date _______________No. _____________________________________

Type Name ______________________________________________________

Signature ________________________________________________________

2012 Bank Legal Issues Conference Registration FormPlease register the following individual. Please enter the information below EXACTLY as you wish it to appear on your name badge and registration

list. Please copy this form for additional registrations.

Organization Information _____________________________________Bank ____________________________________________________________

Address __________________________________________________________

City/State/Zip _____________________________________________________

Phone__________________________FAX ________________________

Name of Attendee ___________________________________________Name _____________________________________________________________

Title ____________________________________________________________

City ____________________________________________________________

E-Mail __________________________________________________________

REGISTRATION FEES - Fees include meals, refreshment breaks and materials.

MBA Member Fees: (Banker, Associate Member and/or Bank Counsel Division Member)$325 Entire Conference$275 Each Add’l for Entire Conference

Non Member Fees:$500 Entire Conference

HOTEL INFORMATION - The Holiday Inn Select in Columbia room rate will be $99.95 per room per day for single or double occupancy. Reservations are recommended for the evenings of October 24 & 25. Hotel accommodations can be secured by using the enclosed reservation form or by calling 573-445-8531. Rooms will be available at 4:00 p.m. the day of check-in. All unreserved rooms in the block will be released after September 24, 2012 and the special group rate will no longer apply.

CONFERENCE TOPICS & SPEAKERSArticle 9 Nuts & Bolts

Michael W. ForsterSandberg Phoenix & Von Gontard

Bulk Trust Transfers, Contracting and Originating Trustees

Dwight RahmeyerTrust Company of the Ozarks

UCC - 2010 Recommended Amendments - What’s with the Name Game?

John P. WalshSpencer Fane Britt & Browne, LLP

Update FDIC Litigation and Recent FDIC Directives Mark B. HillisCarmody MacDonald, P.C.

Employment Law OverviewDavid (Dave) KightSpencer Fane Britt & Browne, LLP

Overview of Basel III Capital Standards for All Banks

Kyle McCurry & Mark HargraveStinson Morrison Hecker LLP

Lyle S. Alexander, CPABKD, LLP

Acquisition Outlook - Panel Discussion Joseph T. Porter, Jr.Polsinelli Shughart PC

Thomas M. StahlLathrop Gage LLC

C. Robert MonroeStinson, Morrison Hecker LLP

Litigation Panel 1“Tousa” David D. FarrellThompson Coburn LLP

“Patco”Jeffrey S. HeuerHusch Blackwell LLP

“First Bank vs. Fischer & Frichtel” (Missouri Supreme Court) and “M&I vs. Sunrise Farms” (Federal Western District)

John P. WalshSpencer Fane Britt & Browne, LLP

Litigation Panel 2 “Nothum”

Jeffery T. McPhersonArmstrong Teasdale LLP

“Brewer vs. Missouri Title Loans” (Missouri Supreme Court)

Johnny RichardsonBrydon Swearengen & England

“DeGeorge vs. Hawthorn Bank” (Missouri Supreme Court)

Duane Schreimann & Michael SchmidSchreimann, Rackers, Franka & Blunt LLC

Case Highlights from “Recent State and Federal Banking Court Decisions”

Matthew J. LandwehrThompson Coburn LLP

Loan GuaranteesMichelle ClardyPolsinelli Shugart PCSt. Louis

“Popcorn & Principles”Mary Crane Mary Crane and Associates

Documents

September 20, 2012