Amegy Bank of Texas, Houston, has promoted Brian Stoker to executive

vice president. Stoker serves as the man-ager of the Not-For-Profit, C o m m u n i t y Lending, and Diverse Mar-kets divisions as well as the c o m p l i a n c e with the Com-munity Rein-

vestment Act. Stoker has almost 40 years of banking experience and has served as a manager at Amegy for 19 years. He established the community lending department, specializing in affordable housing mortgages and commercial loans servicing the needs of the com-munity. He received a BBA degree from The University of Texas and Cer-tified Financial Planner Certification.

The Arkansas State Bank Department has promoted Stacey Leder to bank

examiner manager for the trust exam-ination staff. Leder will super-vise two employ-ees who examine the trust depart-ments of AR state-chartered banks. The team also ex-amines AR state-

chartered trust companies, of which there currently is one. Leder is respon-sible for managing all aspects of the trust examination function, including

Volume 149, No. 3July 18, 2016 www.bankersdigest.com

Stoker, Dawley Named EVP, Amegy Bank

Leder

Two Oklahoma Banks Achieve Milestones

Stoker

Risks Mount for Eleventh District Banks and Energy WeaknessFeature..............................................3

In This Issue...

Published weekly on Mondays except fifth Mondays

Amegy Mortgage Company, L.L.C., Houston, has promoted Bill Dawley

to executive vice president. Dawley serves as the manag-er of residen-tial mortgage production. Dawley has more than 25 years of bank-ing and mort-gage lending e x p e r i e n c e .

Prior to joining Amegy in 2013, he served as a senior EVP of business development with First Continental Mortgage Company. He has also held leadership roles at other mortgage lending institutions. Before he was a mortgage banker, he was a major league baseball player from 1976 to 1990, playing for teams including the Houston Astros. He is a member of the Texas Mortgage Bankers Association Q

employee development, examination report preparation and review, and the scheduling of examinations. Leder has served at the department for more than 21 years. She was ini-tially a commercial examiner but has been a trust examiner for most of her career at the Department. She gradu-ated in 1991 from the University of Central Arkansas, earning a BBA de-gree in general business. Leder succeeds Tom Narrell, who retired effective June 30. Narrell had supervised the trust examination staff that he developed shortly after joining the State Bank Department in August 1987 Q

Leder Succeeds Narrell at AR Bank Dept

The Oklahoma State Banking Depart-ment has reported two state banks re-cently achieved milestones. AmeriState Bank in Atoka cel-ebrated its 110th anniversary on May 20. The bank was originally chartered as Atoka State Bank in 1906 and opened for business in Indian Terri-tory. The bank’s name was changed to AmeriState Bank in 2001. The bank has been under the leadership of the McCall family since 1958. Deputy Commissioner Dudley Gilbert pre-sented a proclamation from the Okla-homa State Banking Department to Oklahoma House of Representatives Speaker-Elect and CEO Charles Mc-Call III and Executive Vice President Charles McCall II during the bank’s celebration festivities. SpiritBank, Tulsa, held its centen-nial celebration and Green Tie Gala on May 16 in honor of the bank’s origi-nal 1916 establishment as American National Bank in Bristow. American National Bank has been managed by the Kelly family since the 1930s and changed its name to SpiritBank in 1996 because “spirit” captured the kind of bank the Kelly family wanted to sponsor and to be. Albert (Kell) Kelly serves as chairman, SpiritBank, and Rick Harper is president/CEO. Roger Beverage, president/CEO, Okla-homa Bankers Association, and Com-missioner Mick Thompson, Oklahoma State Banking Department, presented SpiritBank with a Proclamation Q

Dawley

Page 2 BANKERS DIGEST July 18, 2016

P E O P L E

it underwriter. He holds a BA degree from Baylor University and an MBA

degree from Our Lady of the Lake University. Kelly Lovejoy, eBanking super-visor, has been named assistant vice president. She joined Broad-way in 2009 as a customer service

representative. She holds a BA degree from Concordia University. Julio Medrano, City Base Landing market manager, has been promoted to vice president. He joined Broadway in 2003 and has extensive experience in providing financial services to cus-tomers throughout the bank’s San An-tonio footprint. He holds a BA degree from The University of Texas at San Antonio. He serves his community as treasurer of The Rotary Club of South San Antonio and board member for The South San Antonio Chamber of Commerce. Irene G. Melendez, Kyle market manager, has been promoted to vice president. She began her career at Broadway in 2008 and now has 28

Broadway Bank Promotes Anderson, Cantu, Garcia, Lovejoy, Medrano, Melendez, Watson, and Willeford

Bankers Digest®

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

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Broadway Bank, San Antonio, has announced recent promotions.

Gina Anderson, Dripping Springs market manager, has been named vice president. The 13-year bank-er joined Broad-way in 2011. She holds a BS degree from The Univer-sity of Illinois. She

serves her community as treasurer for both the Dripping Springs Chamber of Commerce and Dripping Springs Helping Hands Inc. Joe Cantu has been promoted to

assistant vice president, ATM operations officer in the informa-tion technology division. He be-gan his career at Broadway in 1990. Ismael Q. Garcia has been named an officer

and promoted to commercial credit analyst II. He began his career at Broadway in 2007 as a consumer cred-

In This Issue...

Risks Mount for Eleventh District Banks and Energy Weakness Feature..............................................3

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

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

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

TEXASyears of banking experience in the Kyle area. She serves her community as Planning and Zoning Commission-er for the City of Kyle and president of the Rotary Club of Kyle. She is the Kyle Chamber of Commerce 2016 Vol-unteer of the Year. Debra Watson, deposit applica-tions specialist, has been named as-sistant vice president in the IT division. She joined Broadway in 2008 and was promoted to a client support analyst in 2010. She holds a BBA degree in com-puter information systems from the University of Louisiana at Monroe. Cheryl Willeford, assistant vice president, has been named senior deposit services officer in the deposit operations department. She joined Broadway in 1991 and most recently served as deposit services officer Q

Anderson

Medrano

Melendez

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Davis Kinard Knowlege Ma 14 4C.pdf 1 7/28/14 11:53 AM

July 18, 2016 BANKERS DIGEST Page 3

F E A T U R E

B D

FEATURE

ByKelly Klemme and Edward C. Skelton

Federal Reserve Bank of DallasSouthwest Economy

Second Quarter 2016

O U T L O O KRisks Mount for Eleventh District Banks and Energy

Weakness

(continued on Page 8)

The business environment has become more difficult for Eleventh District banks (TX, northern

LA, and southern NM) amid weak oil prices, challenging institutions that have heightened energy sector ex-posure. Tepid economic growth and a downbeat forecast also point to commercial real estate lending as an emerging area of concern. This column highlights the key points addressed in the article by Klemme and Skelton. The complete article can be found at www.dallasfed.org.

Higher Provision Set Asides From 2009 to 2014, district banks improved their asset quality and were able to lower their provision expense, thus boosting profitability. In 2015, banks began increasing loan-loss re-serves amid concerns over energy-re-lated credits. The increase in provision expense at district banks parallels increased losses in commercial and industrial (C&I) loans, which include loans to oil and gas companies. Half of the district institutions (275) increased provision expense in 2015, up from 42% (240) in 2014. Nationally, 43% of institutions increased provision expense in 2015, up from 37% in 2014. Within the district, the increase in provision expense was concentrat-ed among so-called regional banks, those with assets greater than $10 billion. Regional banks accounted for two-thirds of the uptick in provision expense, well above their 46% market share by assets. District banks also reported an in-crease in percent of loans noncurrent. At year-end 2015, 0.93% of loan portfo-lios at district banks were noncurrent, below the national level of 1.53% but up from 0.85% at year-end 2014 and the pre-crisis low of 0.54% in 2006.

C&I loans have become the largest single component of noncurrent loans at district banks. Regional banks ac-counted for three-fourths of the non-current C&I loan increase in 2015. The authors believe rising energy-related provisioning reflects increased chances of loan losses–a trend likely to continue in 2016.

District Loan Growth Overall, district banks posted solid loan growth in 2015, approximated up 5% year-over-year. The decrease in C&I portfolio health reflected the low C&I growth among district banks, while commercial real estate, residential real estate, and consumer loans were areas of particular strength. By con-trast, US banks’ residential real estate portfolios grew the slowest. Commercial real estate (CRE) port-folios in district banks were an area of particular strength. Year-over-year growth was 11.3% in 2015 and 10% for banks nationwide. CRE loans make up 32% of loan portfolios in the district and 21% nationwide. Noncurrent CRE loans remain low–0.63% of the CRE portfolio in the dis-

trict and 0.76% nationwide.Profitability In spite of a more difficult environ-ment, district bank profitability con-tinued to exceed national bank profit-ability, although the gap narrowed. District banks earned an ROAA of 1.09% in 2015, down from 1.16% in 2014 but still greater than the 1.05% nationally. Greater profitability among district banks has been driven by higher net interest income. For dis-trict banks, net interest income was 60 basis points (0.60%) higher than for banks nationwide at an annualized 3.31% of average assets. Higher net interest income and low fee income reflect the concentration of banks with assets less than $10 bil-lion–community banks–in the district.

Commercial Real Estate Concerns District banks’ commercial real es-tate lending concentrations are rising again. CRE loans were 188% of risk-based capital at district banks at year-end 2015, up from 177% at year-end 2012, and above the 111% for institu-tions nationwide at the end of 2015. These pale in comparison to year-end Bankers Digest

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Page 4 BANKERS DIGEST July 18, 2016

Gerald McClendon York of Corsi-cana died in Longview on June 2. York

was a twice-re-tired banker and a proud Texas Aggie. He born on January 21, 1927, in Cameron and raised in Belton. York was a 1948 graduate of Texas A&M University,

earning a BS degree in agricultural education and an MS degree in sociol-ogy. While at A&M, he served as editor of The Battalion newspaper. His educa-tion was briefly interrupted by WW II while he served in the US Navy. After completing his undergraduate educa-tion, he began a 17-year employment with the Agricultural Extension Ser-vice starting in Ladonia, where he met his future wife, Ann. He began his banking career at the First National Bank of Corsicana as an agricultural loan officer. He con-tinued a long and successful career in banking with Community National Bank and Trust of Texas. After a brief retirement, he was instrumental in es-tablishing a branch of Community Na-tional Bank and Trust of Texas in Frost where he served as president. York was actively involved in serv-ing his community and church. He and Ann have been members of the First United Methodist Church of Cor-sicana since 1960. He also spent many hours working for local youth through the Navarro County Youth Expo and was a major force in raising the funds for that organization to build the fa-cilities which are still in use today. He also served on various advisory boards and committees. He is survived by his wife of 65 years Brucilla Ann York and his son Samuel (Sammy) David York (presi-dent/CEO of Citizens Bank, Kilgore) and wife Cherisa of Kilgore, daughter Rebecca Ann York Pate and husband Howard of College Station, son Ste-ven Fred York and wife Yoli of San An-tonio, and other relatives Q

P E O P L E TEXAS

Retired Corsicana Banker Gerald McClendon York Dies

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Lindsay Armstrong has recently been promoted to senior vice president at Jefferson Bank in San Antonio. Armstrong serves in the marketing department. She has been a bank em-ployee for more than nine years and attended Texas Tech University. She serves on the board of direc-tors for Girls Inc. of San Antonio Q

Veteran SBA lender Tim Collins was recently hired by Radius Bank in Scott-sdale to serve as vice president and SBA business development officer. Collins has 28 years of SBA lending experience in the Phoenix market. He has served with financial institutions and SBA lending organizations Q

July 18, 2016 BANKERS DIGEST Page 5

P E O P L E TEXAS

Spirit of Texas Bank Names Olson Market President At The Woodlands Center, Opened on June 27Spirit of Texas Bank, SSB, announced its newest location at 1525 Lake Front

Circle, The Wood-lands, opened on June 27. The loca-tion is the sixth branch for Spirit of Texas Bank in The Woodlands area. David M. Mc-Guire, president and chief lend-

ing officer of Spirit of Texas Bank,

announced Judy Larson Olson has accepted the position of Market Presi-dent-The Woodlands. A native of Con-roe, Olson has served in banking and mortgage lending in The Woodlands for 23 years. Olson most recentlly served at Cadence Bank in The Wood-lands. Olson earned a BA degree in com-munications from Stephen F. Austin State University and an MBA degree from Texas A & M University. She is active in community orga-nizations. She is currently president-

Olson

elect of the Rotary Club of The Wood-lands and vice-chair of the CASA board of directors. McGuire said about the new loca-tion, “This continues to be a wonder-ful opportunity for Spirit Bank of Texas Bank to further expand our banking franchise in The Woodlands/Conroe area and increase the strength and capabilities of our banking organiza-tion.” Spirit of Texas Bank now operates 15 banking centers in Houston, Dal-las, Fort Worth, Conroe, The Wood-lands, Tomball, Magnolia, Grapevine, Colleyville, Stafford, Clear Lake, and College Station Q

Page 6 BANKERS DIGEST July 18, 2016

Attorney Lyndsay Carter has joined Farmers and Merchants Bank, Stutt-

gart, as vice presi-dent and execu-tive assistant. Her primary duties are to serve as a liai-son between man-agement and the board of directors, as well as perform certain legal du-ties for the bank,

said President/CEO Gary Hudson. Carter worked as an attorney with the Rogers and Carter Law Firm in Stutt-gart from 2011 until joining the bank Q

P E O P L E

Cindy Wale-Franz, senior vice presi-dent and retail market manager at

Investar Bank, Baton Rouge, will retire effective July 29 after 37 years in banking. Franz has supervised all 10 of the bank’s branch managers for the past six years. Franz joined In-

vestar in July 2010 when the bank had three branches. With her leadership the bank has grown its retail presence throughout the Southeast LA region. Franz is also known for her com-munity service. She was the first fe-male to serve on the Livingston Par-ish Council and then be elected by her peers as the first chairwoman of the Council in 2012. She currently serves on the Baton Rouge Area Chamber’s board of directors and the Livings-ton Economic Development Council board. “I have so much respect for the nearly four decades that Cindy has dedicated to banking. I will miss her determination and the leadership she has brought to Investar,” said John D’Angelo, president/CEO, Investar Bank. “Thank you for your service and commitment to Investar and I wish you a very happy retirement.” “It is with bittersweet, mixed emo-tions that I have decided to retire,” said Franz. “While I am saddened to leave my banking career, I am excited to move on to a relaxing and enjoy-able retirement. My career has truly been amazing. I will greatly miss my coworkers, who have become like fam-ily to me over the years, as well as my customers who have remained loyal for so long. They were the reason I got up and came to work each morning.” Investar Holding Corporation, par-ent company of wholly-owned sub-sidiary Investar Bank, had total assets of about $1.1 billion as of March 31, 2016. Investar Bank was established as a de novo on June 14, 2006, at its cur-rent location at 7244 Perkins Rd Q

Wale-Franz to Retire from Investar Bank, Baton Rouge

LOUISIANACOMPLIANCECarter Is Vice President, Farmers and Merchants Bank

Dickinson Honored with 2016 ABA Service AwardDavid Dickinson, president of Bank-er’s Compliance Consulting (http://www.bankerscompliance.com), received the 2016 ABA Distinguished Service Award which recognizes leadership, initiative, and accomplishment in banking regulatory compliance man-agement. The award was presented at the American Bankers Association’s 30th annual Regulatory Compliance Conference in San Diego, CA, in June. Dickinson began his compliance ca-reer with the FDIC as an examiner and later became a loan officer for a com-munity bank. In 1993, he established Banker’s Compliance Consulting Q

ARKANSAS

Carter Wale-Franz

July 18, 2016 BANKERS DIGEST Page 7

N E W S W A T C H TECHNOLOGY

NYMBUS Inc., the world’s first com-plete, full-stack, API-driven core pro-cessing platform, recently announced the acquisition of Sharp BancSystems Inc. (SBS), a Euless, TX-based soft-ware provider founded in 1987 by the late Joe Sharp. The transaction is the most significant for NYMBUS to date, as it continues growing rapidly in ex-panding its capabilities, geographic footprint, and client base nationwide. The company now owns $200 million of intellectual property, running soft-ware that has been tried and tested in publicly-traded financial institutions. “SBS is a true pioneer in the indus-try, running a best-in-class organiza-tion with nearly three-decades of suc-cess,” said Alex Lopatine, NYMBUS founder. “For that reason we’re thrilled to welcome them to the growing NYM-BUS family, and fortify our position as the true leader in this new generation of core processing.”

For many years, SBS offered clients the most comprehensive integrated banking software solution available in the marketplace at extremely compet-itive pricing. The company provided client banks with a one-stop vendor for all their IT related needs, including all in-house functions such as core, item processing, online/mobile, ATM/debit card processing, and loan and deposit account origination. In 2014, SBS management identified the need to rewrite and replace the back-end core system with something more nimble. When it became ap-parent that significant capital was re-quired, a partnership strategy became an attractive option. In mid-2015, SBS and NYMBUS began discussions and closed the deal in early 2016. “We’ve always put the customer first, and this partnership will render incredible results for our trusted cli-ents. The functionality that allowed

banks to be on the top performing list for all these years is being devel-oped in the NYMBUS core today,” said Scott Sharp, chief operating officer of NYMBUS and former president/CEO and shareholder of SBS. “SBS brings unparalleled banking knowledge, and NYMBUS had a plat-form for rapid application develop-ment. This is a perfect partnership in that each party has benefited and, most importantly, so will our valued clients,” added Scott Killoh, chairman of the board of NYMBUS. The NYMBUS solution is a secure, cloud-based, full-stack product that in-cludes the functions financial institu-tions need to build their businesses. NYMBUS provides financial institutions a holistic, pre-integrated solution that includes a core platform with digital channels and payments to service their members. For more information about NYM-BUS, corporate headquarters in Mi-ami Beach, FL, visit www.nymbus.com Q

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ARKANSASCitizens of Van Buren Plans Crawford County Expansion Piggott State Ownership

Passes to Next GenerationCitizens Bank & Trust Co. of Van Buren is working to deepen its presence in the Crawford County market by open-ing a full-service branch in Cedarville, a community of 1,300 residents, ac-cording to an article by George Wal-don posted on arkansasbusiness.com. The $375 million-asset Citizens Bank plans a new branch to be built at 8828 Hwy. 59N, former home of Ima-

Jerk BBQ, to serve northwest Crawford County, said Keith Hefner, president/ CEO of Citizens Bank. The Cedarville office will be the bank’s seventh full-service branch - four locations in Van Buren and one each in Alma and Mountainburg. Among eight banks in the market, Citizens holds a 47.3% share of the county’s $689 million deposits Q

Ownership of the $83.8 million-asset Piggott State Bank in Clay County is passing to Gaylon Lawrence Jr. of Memphis, TN, according to an article by George Waldon posted on arkansas-business.com. The ownership change comes about four years after the death of the Gay-lon Lawrence Sr., agribusinessman and bank owner who graduated from Piggott High School in 1951 and later made his home in Sikeston, MO. The Lawrence family’s controlling ownership of Piggott State Bank dates back more than 30 years and marked its entry into banking. In addition to building one of the largest family farm operations in the nation, the Lawrence family extended its banking interests to $462 million-asset Farmers Bank & Trust Co. of Blytheville in Mississippi County and beyond AR. Out-of-state holdings in-clude three banks in southeast MO: First Missouri Bank of SEMO in Ken-nett, First Missouri State Bank of Pop-lar Bluff and Cape Girardeau; and one in TN: F&M Bank of Clarksville. Combined assets of the six banks: about $1.9 billion. Piggott State Bank has one location plus a drive-in facility, 17 employees, and reported a profitable first quarter ended March 31, 2016 Q

2005 exposure percents: 245% for dis-trict banks and 145% at banks nation-wide. In response to the 2005 elevated lev-els, federal banking regulators in De-cember 2006 issued guidance on con-centrations in commercial real estate. Following the 2006 guidance, banks’ CRE concentrations, weighed by risk-based capital, declined steadily for about five years. While CRE loan con-centration is up since 2012, strong cap-ital growth has limited the relative rise. Rising real estate prices are gener-ating more CRE activity (and lending). The authors ask the question when and how the cycle will be interrupted.

OUTLOOK (continued from Page 3)

(continued on Page 12)

July 18, 2016 BANKERS DIGEST Page 9

OklahomaCHARTERS The OCC has reported an applica-tion by American National Bank, Ard-more, for a conversion out to a state bank to be known as American Nation Bank was effective June 27.BRANCHES The OCC has received an application by Fsnb, N. A., Lawton, for a branch at 1155 Hwy. 65 N., Conway, AR.TexasCHARTERS The TEXAS DEPARTMENT OF BANKING has reported an applica-tion by TransPecos Banks, Pecos, for a conversion to a state savings bank under the name of TransPecos Banks, SSB, was effective July 1.BRANCHES The TXDB has approved an applica-tion by AccessBank Texas, Denton, for a branch at 1020 E. McCart St., Krum. The TXDB has received an applica-tion by Falcon International Bank, Laredo, for a branch at 1805 N. Ex-pressway, Brownsville Q

C h a r t e r

a c t i v i t yArkansasCHARTERS The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has report-ed an application by Anstaff Bank, N. A., Green Forest, for a conversion out to a state bank to be known as Anstaff Bank was effective June 28. The OCC has reported an applica-tion by Bear State Bank, N. A., Little Rock, for a conversion out to a state bank to be known as Bear State Bank was effective June 28.BRANCHES The FEDERAL RESERVE BANK OF ST. LOUIS has received an ap-plication by Farmers Bank & Trust Company, Blytheville, for a temporary branch at #1 Park Ave., Wilson. MERGERS AND ACQUISITIONS The FRB OF ST. LOUIS has re-ceived a Notice by Janive Blanchard, Russellville, as trustee of the Blanchard Living Trust; Charles Bow-en Blanchard, Russellville; Charles H. Blanchard, Russellville; Cynthia Blanchard, Russellville, individually and as co-trustee of the William H. Bowen Share No. 2 Trust, the William H. Bowen Exempt Share No. 1 QTIP Trust, and the William H. Bowen Non-exempt Share No. 1 QTIP Trust; Mary P. Hardman, Fayetteville, individually and as co-trustee of the William H. Bowen Share No. 2 Trust, the William H. Bowen Exempt Share No. 1 QTIP Trust, and the William H. Bowen Non-exempt Share No. 1 QTIP Trust; and W. Scott Bowen, as co-trustee of the William H. Bowen Share No. 2 Trust, the William H. Bowen Exempt Share No. 1 QTIP Trust, and the William H. Bowen Nonexempt Share No. 1 QTIP Trust, to collectively acquire control of more than 25% of First State Banking Corporation, Russellville. The FRB OF ST. LOUIS has re-ceived a Notice by James Troy “J.T.” Compton, Mountain View; Charles Kevin Compton, Little Rock; Kris Da-vid Compton, Hendersonville, NC; James Kent “Ken” Compton, Conway, each as a general partner and limited

partner of the Compton Stone Quarry Family Limited Partnership, LLLP, and as members of the Compton family control group that also includes Lau-ren Ashley Compton, Niva Compton Lancaster, Springfield, MO, as trustee of the Niva Compton Lancaster GST Exempt Trust, Niva Compton Lan-caster as trustee of the Niva Lancaster Revocable Living Trust, Charles Dan-iels and Sonya Daniels, both of Na-varre, FL, as co-trustees of the Daniels Family Trust Dated 7/12/2006, Sonya Daniels as trustee of the Douglas Lan-caster Trust and Charles Kevin Comp-ton as trustee of the Kevin Compton Revocable Trust, to acquire and retain ownership of more than 25% of the voting shares of Stone Bancshares Inc., Mountain View.CaliforniaMERGERS AND ACQUISITIONS The FRB OF SAN FRANCISCO has received a Change in Bank Control Notice filed by Berkshire Hathaway Inc., et al, Omaha, NE, to acquire over 10.0% of the voting common stock of Wells Fargo & Company, San Francis-co.

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C L A S S I F I E D

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Mail responses to Box Number c/o Bankers Digest, P. O. Box 743006, Dal-las, TX 75374-3006. Phone: 214/221-4544. E-mail responses to: bankersdigest@bankersdigest.com, Box Number in subject line.

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DFW REGIONAL PRESIDENT: $2B Bank with Metroplex and East Tex-as branches needs determined C&I Lender/Manager to manage lend-ers and drive market share. Mark Mitchell, Lone Star Search. 972-335-9009. lonestarsearch.net.

IT MANAGER - $200 million North Texas bank needs an experienced INFORMATION TECHNOLOGY MANAGER. Position will oversee the IT managed services provider and IT compliance. Responsibilities also include oversight of operation-al functions comprised of mobile banking, ACH, wire transfer, ven-dor management, and remote de-posit capture. The ideal candidate will have 2 or more years hands-on bank IT and/or operations experi-ence and a formal degree. Work-ing knowledge of FIserv Precision core banking system a big plus but not required. Send resume in confidence to: HR Officer, P.O. Box 338, Bridgeport, TX 76426 or email judi@fsbwise.com. EOE.

SENIOR COMMERCIAL LENDING OFFICER-PRIVATE BANKING: Large independent financial institution has an immediate full-time opening for a Senior Commercial Lending Officer-Private Banking. Position requires at least 15 years experi-ence in commercial lending; pro-fessional customer base preferred. Extensive knowledge of commer-cial lending regulations and pro-cedures a must. College degree in finance, accounting, or related field is required. Individual must possess strong business development skills. Excellent salary and benefits. Qual-ified individuals may apply on-line at www.americanbank.com. Equal Opportunity Employer.

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July 18, 2016 BANKERS DIGEST Page 11

C L A S S I F I E D A small family-owned community bank in West Texas is seeking an individual with STRONG COMMER-CIAL REAL ESTATE, AGRICULTUR-AL EXPERIENCE AND GENERAL KNOWLEDGE IN ALL LENDING FIELDS. Must have excellent com-munication skills and strong credit underwriting background. Three plus years lending experience pre-ferred. We offer a competitive salary and great benefits package. Inter-ested applicants may send a resume to bankersdigest@bankersdigest.com, subject line Box J-1.

San Antonio area community bank seeks someone with at least 3 years experience as a CASHIER/CFO with a community bank. Must have BSA expertise and prefer experience in all areas of operations including IT. Degree preferred. Please email re-sume, salary expectations, and ref-erences to r.robledo@csbsa.com or mail to P.O. Box 5970, San Antonio, TX. 78201. EOE.

Dilley State Bank in Dilley, Texas, has an immediate opening for a VICE PRESIDENT/REAL ESTATE and COMMERCIAL LENDER. Small, family-owned bank with long-ten-ured employees seeking to expand and needing an applicant with strong credit skills, strong business development skills, proven leader-ship abilities, and at least 8 years lending experience. College de-gree in finance, accounting, agricul-ture, or business preferred. Would not be required to live in Dilley. Competitive compensation. Interest-ed candidate may contact/send resume to Joe McMillian, joe@dilleystatebank.com.

First United Bank seeks SENIOR LENDER/BANKING CENTER MAN-AGER to oversee $115 million branch located in our Lamesa, TX, Banking Center. Applicant must have a bachelor’s degree in busi-ness or ag business/economics and have at least 10 years of agricultural lending experience. Individual must possess strong business develop-ment skills. Prior management and leadership skills a plus. We offer a competitive salary & great ben-efits package. Qualified candidate please forward resume to Rboyd@

firstunited.net or apply online at www.firstunited.net.

VP LEVEL RETAIL SALES/ LOAN OF-FICER. Well-managed, profitable, state-chartered community bank seeking individual with strong Ag Lending experience and compli-mentary C&I and CRE lending ex-perience for growing CENTRAL TEXAS location. Excellent written and oral communications skills re-quired. Minimum 10 years lending experience. Position will lead and supervise a team of junior lending officers and processors. Prior regu-latory experience a plus. Compen-sation package commensurate with experience. Send resume and com-pensation requirements to sday@finserv.net.

LENDING OFFICER POSITION with First National Bank Albany/Brecken-ridge. Our Breckenridge, TX. loca-tion seeks a community oriented in-dividual for general lending duties. Must have excellent communication skills and strong credit analysis/loan underwriting background. College degree and prior lending experi-ence preferred. Applications from experienced loan review and loan analysts will be considered. Com-petitive salary and benefit package offered. Come join a well-managed, profitable, community bank. Send resume in confidence to ksimmons@fnbab.com.

Peoples State Bank, Shepherd, TX is seeking an EVP/CHIEF LENDING OF-FICER. Individual must have strong underwriting skills, ability to manage all lending functions and generate new business relationships. Com-petitive salary and excellent bene-fits. Must relocate. Email resume to mhamilton@psbtexas.com

CREDIT ANALYST II – American Mo-mentum Bank in Bryan/College Sta-tion. Bachelor’s degree in Business, Finance/Accounting preferred. Min-imum 3 years banking/credit expe-rience with 2+ years credit analysis experience in commercial banking. Lending background preferred. Strong underwriting experience forC&I and Commercial Real Estate loans. Please email resume to careers@

americanmomentumbank.com. EOE/M/F/V/D

$300M bank seeking an EXPERI-ENCED LENDER with commercial, consumer, agriculture, and real es-tate lending background for a Cen-tral Texas branch office. College degree with banking experience required. Responsibilities include business development along with community involvement. Strong un-derwriting and organizational skills required. Send confidential resume to: bankersdigest@bankersdigest.com, Subject line Box Y-1.

Legend Bank – hiring COMMERCIAL LENDER at our Fort Worth office. 2-5 years experience and a degree in finance preferred. Email resume to tricia.bullard@legend-bank.com.

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Energy Takes its Toll The persistence of relatively low oil prices has begun to take a toll on dis-trict bank customers, from less effec-tive oil price hedges, thinner cushion of liquidity, stretched cash flow, and collateral value losses. Regional banks with high concen-tratons have been the hardest hit. Credit evaluators Standard & Poor’s and Moody’s took negative rating ac-tions in February on several regional banks with high energy exposures. The Office of the Comptroller of the Currency issued regulatory guidance

in March to address the risks associ-ated with lending to upstream oil and gas exploration and production com-panies and provided examiner guid-ance on prudent risk management of this lending activity. Market partici-pants view the guidance as regulatory tightening, the authors write. A year ago the authors wrote in an article for the Southwest Econo-my, district banks appeared to have a heightened resiliency to lower oil prices due to better risk management, a more diverse economy, and an im-proved regulatory environment. But as the oil price decline that began in

the second half of 2014 has lingered into 2016, its impact on some banks has become more pronounced. Continuing Pressure Increased CRE lending suggests district banks’ risk management should be monitored closely. Another district-specific risk comes from persistently low oil prices. The impact could be severe in the energy-intensive regions of the Southwest for both banks and households Q

About the authors: Kelly Klemme is a fi-nancial industry analyst and Edward C. Skelton a business economist in the financial industry studies department.

OUTLOOK (continued from Page 8)