July 14, 2011

The Missouri Banker Volume 67, Number 9 • THE NEWSPAPER OF THE MISSOURI BANKERS ASSOCIATION • Thursday, July 14, 2011

And then came the floods…

The Missouri River continues to rise, as seen in these photos across from the Capitol in Jefferson City. The photos were taken about a week apart. Levees along the river have had a number of breaches and thousands of acres have been flooded. Some experts predict flood levels could reach those of 1993, and the threat of flooding could be with us through the summer. The Office of the Comptroller of the Currency has issued a proclamation allowing national bank offices affected by the flooding to close at their discretion. Offices that do close are expected to reopen as quickly as possible to serve their customers.

Janes named chief examiner for Missouri Division of Finance

Jerry W. Janes, Senior Review Examiner with the Jefferson City office of the Missouri Division of Finance has been promoted to chief examiner in the Jefferson City Office effective July 16, 2011. He replaces Jeffrey T. Maassen, who resigned from the Division of Finance effective July 22, 2011.

Janes joined the Division of Finance in 1991 as a bank examiner. He served as a field Jerry W. Janes examiner in the Columbia field office until 1998 when he assumed a review examiner position in the Jefferson City Office.

The F5 tornado that struck Joplin on May 22 destroyed 6,953 buildings and damaged many more. For more on Joplin, turn to Pages 11 and 12.

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

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The Missouri Banker July 14, 2011

Chairman’s Corner

Regulators to take part in Regional Meetings Chris Harlin Chairman Missouri Bankers Association

How often do you have the opportunity to sit down with your banking regulators in a somewhat relaxed atmosphere to discuss the issues The Missouri Banker 573-636-8151 Max Cook Publisher cmcook@mobankers.com William O. Ratliff Managing Editor bratliff@mobankers.com Sue Norfleet Editor snorfleet@mobankers.com

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.

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 database@mobankers.com

we deal with on a day-to-day basis?

That’s right … it’s not too often.

The MBA is offering you the opportunity to visit with both state and federal regulators at this year’s round of Regional Meetings that begin on August 17 and conclude on September 7. Representatives of each of the banking regulators will attend all of the meetings to talk about how their agencies are approaching today’s issues and to answer questions from bankers.

Some of the issues we expect to cover include the continuing debate on interchange as well as the neverending list of issues raised by Dodd-Frank. Whether you are most interested in deposit insurance, the OCC-OTS merger, mortgage finance

and appraisals, or bank and thrift holding companies, your Regional Meeting will give you the avenue to sit down with the regulators and ask your questions face-toface.

Missouri Commissioner of Finance Rich Weaver and Jerry Janes, chief examiner for the Division of Finance, will split the duties of speaking. The FDIC will be represented by James LaPierre, regional director of the Kansas City Region; John R. Jilovec and Mark. S. Moylan, assistant regional directors in the Kansas City Region.

Julie Stackhouse, senior vice president at the Federal Reserve Bank of St. Louis, will speak at the Gateway and River Heritage Regions.

Scott Smith, assistant vice president at the St. Louis Fed, is speaking at the Mark Twain and Capitol Regions

combined meeting. The Kansas City Fed will be represented at the Ozark Region and the combined meeting for Truman and Pony Express Regions by Kevin Moore, senior vice president.

Four OCC representatives will be splitting the duties of speaking at our meetings. Michael Koll will speak in Kansas City; Lesslie Swip will be at the Gateway Region and River Heritage Region; Mary Beth Farrell will be at the combined meeting for the Capital and Truman regions; and Karen Swingler will attend the Ozark Region meeting.

A full hour has been set aside in the Regional Meeting agenda for the regulator panel, and there is a half hour planned for Q and A. So here’s your chance

to share your thoughts and concerns about how the hundreds of new rules and myriad of new reporting requirements are affecting your bank.

We also need your input on some other important issues we will discuss such as the 2012 Elections, federal legislation and issues with the State Auditor’s Office.

In a nutshell, this year’s Regional Meetings are important and we want you to attend to help us send the clear message to the regulators that we are concerned and are paying attention to the decisions they are making. Don’t miss this opportunity to be heard.

The schedule for the Regional Meetings is in the MBA Agenda on Page 12, and additional registration information is on Page 20.

Hats off to No Hats for thwarting crime “No hats, no hoods” policies, where customers are requested to remove hats or hoods while in the lobby, factored into two robberies May 18, resulting in authorities getting good surveillance photos on one robber and causing another robber to take his criminal intentions elsewhere -ongoing proof of the value of this no-cost anti-robbery tactic.

In the first case, a man in his mid-20s entered a Columbus, Ohio, PNC Bank branch with a dark hood pulled up and covering most of his face. Following bank policy, an employee told the man to pull his hood down, and he complied. In spite of being “unmasked,” he proceeded with the robbery, handing the teller a note that said he had a gun which he would shoot if he didn’t get money.

He fled with an undisclosed amount of cash, but left behind what the FBI termed good surveillance photos of his unhooded head.

Meanwhile at the Jersey Shore That same afternoon in Toms River, N.J., 47-year-old Raymond Rush was visiting a branch of The Provident Bank when he was asked by an employee to remove his hat. He did more than that. He left the bank and went across the street to

a Sovereign Bank branch, where he allegedly removed some money that was not his. While he was doing so, employees back at The Provident branch were reporting a suspicious person to police.

Toms River police say Rush handed a note to a teller at Sovereign demanding money. Police say the teller complied, handing over less than $600 that was available in her drawer at the time. Rush then left the bank quickly and took off on foot. Rush was arrested without incident at his home the next morning and charged with the robbery.

If your financial institution does not have a “no hats, no hoods” policy, maybe these two cases will provide some food for thought.

Reprinted with permission – originally published in the June, 2011 issue of “The Advisor” – published monthly for financial institution security and risk management professionals by the National Association for Bank Security and Profit Protection, LLC. For more information about the MBA’s “No Hats” program, visit the MBA website at www.mobankers.com or email Carol Barnett at cbarnett@mobankers.com.

The Missouri Banker July 14, 2011

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Lobbyist’s Notebook

There’s a lot to learn at MBA Conventions Bill Ratliff Executive Vice President Missouri Bankers Association bratliff@mobankers.com overdraft payment systems: • Institute maximum daily fee limits • Institute counseling procedures for customers overdrawing more than six times in 12 months • Implement a de minimis amount (consider no or small fee for ODs less than $10 or less than the amount of the OD fee) • Any type of OD program that the FDIC feels could cause reputational, operational or other financial undue risk can and will be assessed.

• Review all marketing, promotional material pertaining to any OD program to assure it is “clear and meaningful”.

• Review/train all frontline staff to clearly and fully explain how any OD product works.

— Chuck Lewis and Denny Deischer HHHHH That was just the tip of the iceberg, but you see my point. Our Convention,

which was once primarily for fun, now has a double focus.

Fun and Education.

HHHHH Heard on a recent conference call: In 1950, people retired, on average, at age 65 and died around age 69. Today, they retire at 62 and live until around 80.”

HHHHH The website CreditCards. com has over 25 pages of credit card statistics. Here are just a few: • There were 176.8 million credit cardholders in 2008.

• 80 percent of consumers currently own a debit card, compared to 78

percent with a credit card and 17 percent with a prepaid card.

• Half of college graduates had four or more credit cards in 2008, up from 32 percent in 2000.

• 36 percent of respondents said they didn’t know the interest rate on the card they used most often.

HHHHH As I mentioned a couple of issues ago, we are little by little upgrading and changing the entire range of MBA communications products.

This is the second of our now monthly issues of The Missouri Banker and we hope you are beginning to see a difference. We want it to

be bigger and contain more stories and more information geared specifically for Missouri bankers.

We’ve also started our twice-weekly electronic Missouri Banker Updates to keep you informed over the weeks when we do not publish our newspaper.

But that’s not all…

We are also working on revamping our website at www.mobankers.com. This is an ongoing project but every week it changes a little and will probably be one of those projects that is always being upgraded or improved. Keep checking in on the website to see what’s new.

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2011

I always learn something from the various Breakout Sessions at MBA events. Our Convention last month was no exception. Here are a few “nuggets” I picked up: • Between 120-180% of your profits come from 20% of your clients!

• About 70% of clients generate a loss.

• In some organizations, the top 1% of the client base delivers over 140% of their organizational profit!

— Dan Roderick ProfitStars Margin Maximizer HHHHH 2009 was the slowest year of Merger and Acquisition activity in more than nineteen years and 2010 began at a similar pace, but summer and fall of 2010 saw upticks in the number of transaction and pricing and assisted deals will continue through 2011.

— Sandler O‘Neill + Partners, L.P. HHHHH Regarding automatic

August 23-25

Compliance Update

St. Charles, Missouri

By Mike Noblett Compliance Manager

HUD issues revised SCRA disclosure

HUD has once again revised the notice that is required to be sent to homeowners in default notifying them of the mortgage and foreclosure rights of servicemembers and their dependents under the Servicemembers Civil Relief Act (SCRA).

This notice must be sent to all homeowners in default of a residential mortgage within 45 days of the missed payment, unless the homeowner pays the overdue amount before the expiration of the 45-day period. Since it’s impossible to keep track of every borrower protected under the SCRA, this form should be sent to all homeowners in default.

Reservations: Embassy Suites Hotel St. Louis – St. Charles ($129)

Call reservations at 636-946-5544 and give the code of MIB.

Reservations deadline: July 24, 2011.

Cost is $199 per attendee for all customer/ shareholder banks and only $49 for the special additional session from EPCOR (continuing educations credits will apply)

More details will follow. Contact Donna Harden at 573-556-3124 or email her at dharden@mibanc.com for any further questions.

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The Missouri Banker July 14, 2011

ABA Washington Update

Pushing the pendulum Frank Keating President and CEO American Bankers Association keating@aba.com I recently had the chance to speak before bankers gathered at ABA’s annual Regulatory Compliance Conference here in Washington. One takeaway for me is how very well served your banks are by these dedicated and professional compliance officers.

A second take-away is that compliance is an essential function within any bank.

There are four legs that support the modern bank business model: management and employees; products and services; marketing; and compliance. Each element supports and is necessary to the others.

The serious focus on regulatory is not without reason, considering the extreme swing of the regulatory pendulum that we’ve seen in the aftermath of the financial crisis and the passage of the Dodd-Frank Act. However, when regulations

get in the way of your bank’s ability to serve your customers and grow your communities, things have clearly gone too far. I’ve heard that frustration expressed by many of you during my visits with you at state bankers associations around the country. You want to do the right thing, but the regulatory environment – the overall burden, the overkill and overzealous examiners – is blocking your path forward.

We’ve got to work together to change that. In a perfect world, the banking industry would have an equal partnership with its regulators, who would be more vested in seeing banks succeed than writing them up on items where they’ve failed.

The truth is that the regulatory culture has to change. It’s a big challenge, but we have to begin moving towards that goal.

How? It starts with being involved. As I told the

bankers at our Regulatory Compliance Conference, it’s important for bank CEOs to listen to their compliance staff members, and learn what is and isn’t working in their institutions. CEOs need to share this information with their state associations and ABA. (You might want to join ABA’s Open

Compliance Committee, which “meets” every other month by regularly scheduled conference call. You can learn more about this committee on aba.com.)

This way, when we meet with regulators and lawmakers, we can continue to effectively present the industry’s case by providing

Among the bankers taking part in the Scott Childress Memorial Golf Tournament recently in Kirksville were, from left, Randy Riley, Northeast Missouri State Bank, Kirksville; Keith Tonnies, Town and Country Bank, LaBelle; and Virgil Welker, Bank of Monticello. MBA staff members Craig Overfelt and Jason Bauer also participated in the tournament held in Kirksville.

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credible, real-world examples and anecdotes.

These are things that will be remembered by policymakers.

Ask for your staff members’ input and let us know what you’ve learned. Together, we can begin moving the regulatory pendulum back into equilibrium.

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The Missouri Banker July 14, 2011

Page 5 Paid Advertisement

THANK YOU FOR CARING ABOUT OUR MISSOURI NEIGHBORS On a Sunday afternoon in May the city of Joplin, Missouri was forever changed. The devastation of the tornado and the suffering of its citizens are almost too difficult to comprehend. Over one hundred fifty lives lost; thousands injured; families shattered; entire neighborhoods literally blown away. To appreciate the power of this storm, the next day a receipt from a Joplin tire store was found on the front porch of a home in north-central Indiana.

WE SALUTE YOU To the hundreds of First Responders, the thousands of volunteers and the tens of thousands who have donated funds and supplies, we salute you. The thirteen Member Banks of Central Bancompany thank all of you who pitched in to help our fellow Missourians. Through our banks alone, more than one hundred twenty-six thousand dollars has been donated by our generous customers, employees and management teams.

YOU CAN STILL HELP If you have already donated or volunteered, we can’t thank you enough. If you haven’t, it’s not too late. Volunteer to help in the cleanup effort and donate funds through the Disaster Relief Fund of the American Red Cross.

WWW.ONBBANK.COM | MEMBER FDIC

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The Missouri Banker July 14, 2011

Banking through the generations ...

The Missouri Bankers Association’s new chairman, Chris Harlin, grew up in a community loving, public service minded family in Missouri’s Ozarks. It wasn’t until he left Gainesville to attend Rockhurst University in Kansas City and then Missouri State University in Springfield, that he gave serious consideration to becoming the fourth generation of his family to become a banker.

In addition to becoming a fourth generation banker, Chris is also the third generation of his family to be named to MBA’s top elective office. His grandfather, Hugh Tan Harlin, served as the MBA president in 1963 and his father, John Harlin, was president in 1994.

Chris is the second banker in the nation to become the third generation of a family to head a state bankers association.

While studying communications and marketing at Missouri State University, Chris lined up a job as a waiter in a restaurant that was owned and operated by retired banker Bill

Cantrell. Chris laughs as he remembers a conversation that he had with his boss after a couple of months on the job. “Bill came to me and said, ‘You’re not much of a waiter, Chris. Let’s get you a job at a bank.’”

Beginning his career In 1990 a college age Chris Harlin went to work at Boatmens Bank in Springfield, Missouri doing “below entry level” work. He started in the bookkeeping department stuffing statements for the bank’s commercial accounts.

During this time he started to seriously consider going into banking and entering into the family business. Chris received his Bachelor of Science degree in marketing and communications from Missouri State University in 1991 and continued to work at Boatmens until the end of that year.

Shortly after graduation Chris landed a job at Exchange National Bank in Jefferson City. “I worked in operations, new accounts, as a teller and a floater and worked in all the bank’s branches which gave me

Abbi Harlin, the older daughter of Chris and Missy Harlin, is the fifth generation of the Harlin family to work at Century Bank of the Ozarks. Abbi, who is about to begin her senior year in high school, works at the bank part time as a teller.

the opportunity to learn the ropes,” Harlin says. After a year at Exchange National Bank, he returned home to Gainesville to join the family business.

When Chris returned to the then Bank of Gainesville in February of 1993, he worked as a consumer lender

Three generations of Harlins attended an MBA Chairman’s Banquet in the 90s. MBA’s newly elected Chris Harlin was with his father, John Harlin who was MBA president in 1994, and his grandfather, Hugh Tan Harlin, who was president in 1963

and handled marketing for the bank. From there he eased into real estate and commercial lending.

Chris graduated from the Graduate School of Banking in Madison, Wisconsin in 1998.

Expanding the business The Harlin family’s banking operations expanded into Ava in 1995 and in 2003 Chris led the formation of a new holding company which purchased the Bank of Plato and Citizens Bank of Sparta which are now known as Legacy Bank and Trust with new locations in Mountain Grove and Rogersville.

Century Bank of the Ozarks has locations in Gainesville, Ava, Theodosia, and Bakersfield.

Chris’s ancestors arrived to settle in Ozark County from Kentucky in 1869. His great-great-grandparents, John William and Mary Abigail Harlin moved to Missouri with their eight sons. Unfortunately, John

William Harlin died from blood poisoning at the age of 38, leaving Mary to raise the eight children, ages two to seventeen, alone. All eight of these boys became successful men with three of them choosing to remain in the Missouri Ozarks. Chris’s great-great-uncles, Jim and Tan Harlin, founded the Bank of Gainesville which opened on July 24, 1894 with capital stock of $5,000.

At the end of the first day’s business, the bank’s resources totaled $11,663.17. When the Bank of Gainesville was chartered in 1894, it was founded with a sense of community and the desire to take care of the towns and the people in the areas in which the bank does business. In 1908, when Jim and Tan decided to pursue business and banking opportunities in West Plains, they put Chris’s great-grandfather, John C. Harlin (Uncle Johnny), the seventh son of the family, in charge of the Bank of Gainesville.

The Missouri Banker July 14, 2011

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... Chris Harlin is third generation to lead MBA Serving the community Throughout the generations the Harlin family has stepped up to be leaders in their community.

The Harlins have served as club officers and festival chairmen. Uncle Johnny was elected to the Missouri General Assembly as both a state representative and a state senator. “Our family has a great sense of community and service and we encourage everyone at the bank to be active in the community,” Harlin says. Chris further states that “the experiences of the former leaders of the bank have helped to mold today’s discussions and decisions as the bank moves forward”.

After taking over as president of the bank in 1908, Johnny served in that role until his death in 1955.

“You may not know this,” says Harlin, “but there were special powers associated with being a seventh son.”

Chris goes on to explain that his great-grandfather was said to have the ability to cure warts.

Many times customers would come in to the Bank of Gainesville to do business and ask to have

their warts healed. “A small town banker has many responsibilities,” Harlin chuckles. “One of the changes through the years is that we no longer cure warts.” As the greatgrandson of a seventh son, Chris’s healing abilities seem to be a bit weaker than Johnny’s. Legend has it that Chris can cure hiccups but his family has their doubts.

Throughout his years with MBA Chris has served on or chaired the Bank Leadership Committee, Convention Committee, and the Agriculture and Rural Affairs Committee. He has also served a two year term as chair of the MBA VEBA Board of Trustees as well as ABA Professional Development Council, the ABA Agriculture and Rural Affairs Committee and MBA Treasurer.

Looking forward As he looks forward to his year as MBA Chairman, Chris says he wants to help keep community banking alive and well in Missouri.

He would also encourage more banker involvement in the association and encourage the banking industry to unite and speak with one voice especially

Faith Harlin, Chris and Missy’s 11-year-old daughter, stops by the bank to visit her dad.

Missy and Chris Harlin at the Chairman’s Banquet after the installation of officers.

when it comes to the legislative and regulatory battles the industry is facing.

Harlin says, “I see the challenges with banking as a need for more clarification on regulatory reform, especially with the Consumer Financial Protection Bureau. We need to continue to fight to improve the end result with CFPB and we can’t do that if we are not united.” Chris also believes that the MBA and its members need to continue to work to improve the image of community banking. “Although we weren’t the ones who caused the financial crisis, we are getting a black eye just like the Wall Street banks.”

Staying busy Chris and his wife, Missy, have another business in Gainesville that keeps them busy and involved with the community, Old Harlin House. Old Harlin House is the three-story home Uncle Johnny and his wife, Clara built in 1912.

“I was always fascinated by the house and when the owners decided to sell, we formed a family group with my parents, aunt and uncle, and cousins to purchase it,” Chris says. He also states, “We wanted to make the restoration more about the house and make it a place to fill with family treasures. The added benefit is that you can also enjoy a delicious lunch while you are there.”

The house is fully restored and is on the National Register of Historic Places. The café serves lunch Monday through Friday from 11-2 and serves homemade sandwiches, salads, soups and desserts.

Missy Harlin manages the day to day operations and her brother, Aaron works as the chef. Missy says, “We have a great system. I handle the front end business, Aaron is in charge of all things foodwise, and Chris handles the

marketing. We all stay out of each other’s way.”

When Chris and Missy aren’t working at the bank or the restaurant, they enjoy travelling and like any parents, enjoy keeping up with their daughters, Abbi and Faith’s, various interests.

Abbi works part-time at the bank as a teller and is a whiz at washing dishes at the restaurant. She is also the drummer in a local rock band and enjoys scuba diving.

Faith likes to take any opportunity to be on stage.

She has performed in several area theater productions and loves to sing.

Faith even joined Arvell and Company on stage at the MBA convention this past June. Faith will be going in to sixth grade this year and Abbi will be a senior in high school with plans to attend the University of Arkansas in the fall of 2012.

Chris and Missy are very excited about the year ahead and look forward to the challenges and triumphs that

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The Missouri Banker July 14, 2011

2012 Scenes of Missouri Calendar The Missouri Bankers Association is offering a customized wall calendar for 2012, “Scenes of Missouri,” exclusively to MBA members. These calendars are a great way to thank your customers for their business and promote your bank.

Your name and/or logo will be imprinted at the bottom. And you can’t beat the price – just 99 cents per calendar (plus imprint charge, tax and shipping).

Scenes of Missouri 2012 CALENDAR

Photos used in the calendar are selected from among those submitted by Missouri bankers, directors, and family members.

You can view the 2012 calendar on the MBA web site. Calendar page size is 11” x 8 1/2”, calendar opened size is 11” x 18”. The imprint area is approximately

Front cover of calendar.

January

February

March

April

May

June

July

August

September

October

November

December

1” x 11”.

The deadline for ordering 2012 calendars is August 31, 2011.

Shipment can be expected in October. The minimum quantity that can be ordered is 100.

The $50 setup charge includes typesetting text and logo placement for imprint area (in black), if needed.

The setup charge is $100 for spot color (PMS) text and/or logo. Please specify if you want black or color imprint.

If you have questions, please call Carol Barnett at the MBA at 573-6368151 or email cbarnett@mobankers. com.

Send no money now! Orders will be billed when shipped, and shipping and tax will be added at that time.

Back cover of calendar.

2012 Scenes of Missouri Calendar Order Form Name ______________________________________________________________________________ Bank _______________________________________________________________________________ Street Address _______________________________________________________________________ City/State/Zip _______________________________________________________________________ Phone _______________________________________FAX ___________________________________ E-Mail (required for proof) ______________________________________________________________ Please provide us with a copy of the information you want printed on your calendar imprint area.

To include your bank logo, please email a high resolution file (TIF, JPG, PDF or EPS 300 dpi file preferred) to cbarnett@mobankers.com.

Quantity (minimum order 100) @ 99 cents each _____________________ Proof will be sent via Email Bank/Logo Imprint Color: (The imprint area is approximately 1” x 11”.) _______ Please use same imprint from our 2011 Scenes of Missouri calendar. _______ Black ($50)

____Color ($100)

Complete order information and mail, fax, phone or email to Mail Order to: Missouri Bankers Association Attn: Carol Barnett 207 E. Capitol PO Box 57 Jefferson City, MO 65102 Fax Order to: 573-634-2754 Email Order to: cbarnett@mobankers.com

By Phone: 573-636-8151

The Missouri Banker July 14, 2011

Page 9

Nine bankers inducted into MBA 50 Year Club Nine Missouri bankers were inducted into the MBA 50 Year Club at the Association’s 121st Annual Convention in Branson. Each year MBA recognizes bankers who have reached the 50-year milestone in their careers.

Larry Angle Larry Angle began his banking career in July of 1961 at Farmers and Merchants Bank in Cape Girardeau where he worked for 25 years. His 50 years in banking include positions with Security bank, Cape County Bank, which became Capital Bank and then Union Planters Bank. In 2003, Larry joined the Bank of Missouri as vice president. For the past three years, he has worked part time and is a collector for the bank.

Larry says his philosophy about banking is to help communities grow and prosper while safe-guarding the customers’ funds.

Mary Bryan Mary Bryan, operations officer with First National Bank of St. Louis in Clayton, began her career at First National Bank in St. Louis where she worked for a few months before moving to First National Bank in Clayton, now First National Bank of St. Louis. She has been employed there since 1962.

Mary says her favorite part of working in banking is helping others understand their money. Her philosophy about banking is this: Every customer is a valued customer, regardless of the amount of money in their account. All customers deserve the gold standard.

Margaret A. Carter Margaret A. Carter began her banking career in 1961 with State Bank of Poplar Bluff. In May 1970, she began working for First Midwest Bank of Poplar Bluff where she serves today as a vice president and loan officer for consumer, commercial and residential real estate loans. Margaret has

worked in many areas of banking during her career and has been a loan officer since 1985. She hopes to continue working for several more years.

The one thing in banking Margaret says she would change is for the government to quit thinking they should change documents to help the consumer better understand what they are signing, when they, in fact are merely adding much more paperwork and slowing down the loan process.

Homer Maassen Homer Maassen graduated from High School in Loose Creek in 1951. He worked at various jobs including farming, construction and McDonnell Aircraft in St. Louis.

A Korean War Veteran, he was drafted into the Army in 1954, attended officer training school at Ft. Sill, Okla., and was commissioned in April of 1955. Released from active duty in April 1957 as a First Lieutenant in the U.S. Army Field Artillery, he enrolled at the University of Missouri, Columbia, where he received his degree in business and public administration in June of 1961.

He began working with the FDIC as assistant examiner trainee in September of 1961.

In 1973, Homer joined Legends Bank, then Linn State Bank, as vice president.

He was elected a director and secretary to the Board in 1977, a position he still holds along with the title and duties of senior vice president.

Homer has this advice for young bankers: Treat people with respect, act with integrity and be mentally prepared for change.

David Molitor David Molitor’s banking career began in 1961 when at the age of 24, he started working as a teller with the St. Charles Savings Bank, which later became First State Bank. He left the bank in 1978 to join the Bank of Old Monroe, where he

served as CEO from 1982 to 2002. Today he serves as the president and chairman of Culvre River Bancshares, Inc., the holding company for the Bank of Old Monroe.

David served in the Larry Angle Mary Bryan Army Reserves from 1967 to 1973 and later completed the Graduate School of Banking at LSU in 1976.

Dave says his philosophy for banking is to treat people with respect and put yourself in their David Molitor Robert Plisky position. His advice to cashier and cashier. young bankers is to respect Madge’s philosophy about your customers and never think you are more important banking is that it should offer extra personal service to custhan they are. tomers. A bank should work Robert Plisky to have a strong commitment Robert Plisky was born to the community. Employand raised in the Hammond, Ind., - Chicago area. Prior to ees should be a valuable asserving in the Pacific Theatre set. We should offer a warm, friendly atmosphere to all as during World War II, Robert we strive to build long-term was part of the V-2 Military customers.

Training Program at Kansas University. Upon completion Her advice to someone just entering the banking of his Navy service, Robert earned an engineering degree profession is to enjoy working with people, be willing to from the University of Mishelp others with a smile and souri. be on time to work.

After college, he returned Pat Thornton to his wife’s hometown, Pat Thornton, financial Kansas City, and began services representative with working in the construction First Community Bank, business with his father-inSedalia, began her banklaw, James Hoover, who ing career in 1961 and has with other investors in 1932 worked for three banks durhad started the Concoring her years of service. Pat’s dia Bank. In December of philosophy about banking is: 1960, Robert was elected Customers don’t understand to the Board of Directors of Concordia Bank. In 1967, he the banking regulations, so I try to help them understand bought Mr. Hoover’s interthat sometimes we don’t est in the bank and became have control over what we chairman of the Board. He can do to help them. Every is now the bank’s majority customer is important and shareholder. their money is important to Madge Reid them no matter the level of Madge Reed has spent their wealth. all but eight years of her life William Vehige in Green City, where she is cashier for the Farmers Bank Bill Vehige started his banking career with the Wenof Green City. She began working at the bank in 1957, tzville State Bank in 1961 as an assistant cashier. In 1965, and has only taken time off for a few years after the birth he was employed by the First National Bank of St. Charles of her daughter. from 1969 to 1982. He was Madge has worked as a hired again by Wentzville teller/bookkeeper, assistant

Margaret Carter

Homer Maasen

Madge Reid

Pat Thornton

State Bank as president and CEO. The bank was sold to Commerce Bank of Wentzville William Vehige where Bill remained as the Chairman of the Board and CEO until 1985 when the bank changed its name to Commerce Bank of St. Charles. When that occurred, Bill managed the Wentzville Banking Group as the executive vice president.

After leaving the bank in 1987, Bill entered into a small business, but he maintained his service to the banking industry by serving as director at several banks.

In 2003, he joined the Bank of Old Monroe as a director where he continues to be active.

Bill says his favorite part of banking is the satisfaction of being able to help the people of the community strive to improve their lives and to better the community in which they live.

Bill says one of the most heartwarming moments of his banking career was having a successful customer ask him if he remembered making him his first loan when he started his business.

Bill says it is satisfying to have customers remind you of your assistance in helping them become successful.

Page 10

The Missouri Banker July 14, 2011

Devastation in Joplin does not defeat its citizens Slowly, very slowly, Joplin is coming back to life after the devastating EF-5 tornado that tore a three-quarter mile wide and nearly twelve mile long gash through the south side of the city on May 22. State and federal first responders have been on the scene joined by hundreds of insurance claims adjusters, and now a small army of workers trying to remove the mountains of rubble that were once homes and businesses.

Banks help with the recovery

Several of Joplin’s banks were damaged by the storm. Most were able to keep serving their customers through other facilities. Among the first things bankers did, after accounting for their employees, was to gather safe deposit boxes that were in damaged buildings and move them to other facilities.

Since the level of destruction was such that some families lost literally everything, bankers quickly began community outreach programs to provide assistance.

Among things done to help: • Waiver of ATM fees • Waiver of late fees on consumer loans and credit cards • Expedited replacement of lost debit and credit cards • Waiver of early withdrawals from CDs and IRAs • Bankers had learned from other disasters, such as Hurricane Katrina, that after a disaster, people need cash and information. Banks became a source for both. Toll-free numbers were distributed to help customers solve a variety of problems dealing with their finances.

Ongoing assistance

Recovery in Joplin could take years.

Bankers will be working with the Small Business Administration, FEMA, SEMA, and other agencies to help provide the financing needed for the rebuilding of Joplin.

Legislative study

Special committees have been formed

by Missouri legislators to study what kind of help is needed and what the state can do. A Special Session of the legislature may result from these studies.

Rebuilding

Rebecca Dunhan, executive vice president and sales manager at Arvest Bank says she attended a community meeting last week where officials reported that about 30 percent of the debris has been removed. By this week, she expects that removal is up to about 50 percent.

“Joplin is in full recovery mode now,” Dunham said. “Schools are scrambling to make sure the children have a place to attend school.”

Dunham and her husband moved to Joplin about four years ago. “I have never seen a community come together like this one. People are working hard and cooperating to make the most of a bad situation.”

Planning ahead

Dunham said he bank had installed a built-in generator at the main bank in Joplin (which was NOT struck by the storm). The banks’ ATM system for the Joplin Region is operated from that location. But, because of the generator, all the the bank’s ATM in locations not affected by the storm were fully operational.

Disaster statistics: • • • • • • • •

159 people have died.

Over 750 people injured.

7,828 structures damaged Of these, 6,953 were destroyed 4,469 structures were insured (57%) Damage estimate: $3 billion 50 looters arrested in first two weeks 43% of people are under-insured or have no insurance • 900 cats and dogs unclaimed at local animal shelters

The Missouri Banker July 14, 2011

Page 11

Lessons learned from the tragedy in Joplin 1. Have a disaster plan for home and work.

They take time to prepare, but can

literally be lifesavers.

2. Have plenty of batteries, candles, water and other

3.

4.

5.

6.

7.

emergency supplies.

Cash, especially in small denominations, is very helpful.

Take important papers with you to shelter.

You may need them to get back into your neighborhood, and to handle basic insurance and financial transactions after the disaster.

Do not stay in a car during a tornado.

Even a few minutes warning saves lives.

Invest in a NOAA Weather Alert radio.

Plan on at least

two days before significant outside help arrives.

8. Volunteers come in droves in the first days, and are often unprepared.

Volunteer help drops dramatically after two weeks.

9. Cell phone service will either die or be overwhelmed by too many users.

Money pours in for Joplin relief Individuals and banks continue to send money to MBA for disaster relief in Joplin. .

If you wish to contribute, make your check out to “American Red Cross Disaster Relief Fund” and send it to Peggy Mantle’s attention at the MBA, PO Box 57, Jefferson City, MO 65102. MBA will then forward the money to the Joplin area Red Cross.

Page 12

The Missouri Banker July 14, 2011

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Agenda August 2011 17 Regional Meeting, Pony Express Region & Truman Region, Kansas City 18 Regional Meeting, Ozark Region, Springfield 30 Regional Meeting, River Heritage Region, Cape Girardeau 31 Regional Meeting, Gateway Region, St. Louis September 2011 7 Regional Meeting, Mark Twain Region and Capitol Region, Columbia 21-23 MBA Compliance Conference, Tan-Tar-A Resort, Osage Beach 27 IRA Basic Seminar, Cape Girardeau 28 IRA Basic Seminar, Columbia 29 IRA Basic Seminar, Springfield 30 IRA Basic Seminar, Kansas City

We know banking.

We’re in business to help your business succeed. You can buy your business insurance anywhere but why not work with an industry specialist?

October 2011 6-7 MBA Young Bankers Conference, Tan-Tar-A Resort, Osage Beach MBA subsidiaries support the MBA. Make your money work harder for you.

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25 IRA Update Seminar, Cape Girardeau 26 IRA Update Seminar, Columbia

Financial Institution Bond Directors & Officers Liability Employment Practices Property and Casualty Workers’ Compensation Jason Bauer MBA Insurance Group 800-234-4939 jbauer@mobankers.com

Call MBA Insurance Group at 800-234-4939 223 East Capitol Avenue PO Box 1343 Jefferson City, MO 65102 Phone: 800-234-4939 FAX: 573-636-5490

19 Bank Security Seminar, Columbia

Karen Davis................kedavis@mobankers.com Joyce Kennedy............jkennedy@mobankers.com Laura Gasho................lgasho@mobankers.com Paula Hansen...............phansen@mobankers.com Jason Bauer.................jbauer@mobankers.com Seth Lindenbusch........slindenbusch@mobankers.com Rebecca Brouse...........rbrouse@mobankers.com Bethany Green............bgreen@mobankers.com

27 IRA Update Seminar, Springfield 28 IRA Update Seminar, Kansas City December 2011 7-9 MBA Executive Management Conference, Ritz Carlton Hotel, St. Louis

FDIC issues final rule on retail FX transactions The FDIC last week issued a final rule -- mandated by the Dodd-Frank Act -- that will impose requirements on banks’ foreign currency transactions with retail customers that are not cleared by an exchange.

The final rule will apply to foreign currency futures, options on futures, and options as these terms are used in the Commodity Exchange Act. It also will apply to transactions that are “functionally or economically similar” to futures and options, such as “rolling spot” trades, the FDIC said, and will cover retail transactions involving individuals with $10 million or less to invest and certain small businesses.

Banks entering into trades the rule covers will be subject to requirements in six areas: disclosure, recordkeeping, capital and margin, reporting, business conduct and documentation.

They also will be required, among other things, to submit a detailed business plan, demonstrate board approval of the activity, and obtain written approval from the FDIC to provide such products. The rule’s effective date is July 15.

The Missouri Banker July 14, 2011

Page 13

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Page 14

The Missouri Banker July 14, 2011

Tax return verification program available to MBA members How well does your bank verify income of your loan applicants? The use of IRS tax return verifications can help you decrease fraud and improve the efficiency of your underwriting process.

Working with Accudata Credit Systems, MBA Bankers Service Corporation is now offering a tax return verification program at a discount to members of the Missouri Bankers

Association. By filing an IRS Form 4506-T through Accudata, you can obtain the entire tax transcript of a consumer (or business), generally within two business days. Accudata

has been providing credit reports and related services to financial institutions since 1926, and is the provider of discounted employee background checks to MBA members.

This year, the sun shines a little brighter than it did before. Your customers once again feel the promise of a solid financial future, and, as always, you’re ready to stand behind them as they make new choices.

And we’re ready to stand behind you. We’ve been here through those tough economic times and we’re still here—like a mountain, unchanging and rock-solid underfoot.

Our credit insurance products are created by community bankers for community bankers, with a thorough understanding of the complex issues you face every day

and the tools you need to handle them. We can offer you our products with confidence because we know what it means when your customers are also your neighbors and friends.

When we make a promise to you, you can count on us to deliver, every single time. It’s what we do.

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Earl R. Whaley & Company Kevin S. Berry Regional Manager P.O. Box 445 Farmington, Missouri 63640 573-934-0154 Phone 888-970-7500 Toll-Free kberry@earlwhaley.com

There are no setup fees and no monthly minimums to meet – you only pay for the TRVs you submit through an easy-to-use online system. Getting started is easy – there are only a few simple forms to complete.

For additional information, go to the MBA web site at www.mobankers. com and click on the Tax Return Verifications link in the Products & Services dropdown box.

If you have questions, please call Carol Barnett at the MBA at 573-636-8151 or send her an email to cbarnett@mobankers.com.

Bair completes term as FDIC chairman On July 8, Sheila C. Bair officially stepped down as FDIC Chairman. Ms. Bair has served as Chairman since June 26, 2006.

Vice Chairman Martin J. Gruenberg assumed the role of Acting Chairman effective as of the close of business on July 8.

Gruenberg has served as Vice Chairman of the FDIC Board of Directors since August 22, 2005. He has previously served as Acting Chairman from November 15, 2005 to June 26, 2006.

“While I will truly miss the organization, I have the utmost confidence in Marty’s stewardship of the FDIC and its unparalleled professional staff,” Bair said Bair will join the Pew Charitable Trusts as a senior advisor on September 7, after spending the summer with her family.

The Missouri Banker July 14, 2011

Page 15

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ConCerned About

Have you completed your surveys yet?

In early June, information was emailed to MBA member CEOs announcing the new “Regulatory Feedback Initiative” that was launched across the country. A column by Max Cook in the June 16 issue of The Missouri Banker provides further information about this new important program.

As a reminder, all banks are being asked to complete a confidential, online survey for your most recent safety and soundness exam and another survey for your most recent compliance exam, regardless of when they occurred, up until August 31 – and then upon the completion of each exam thereafter.

For more information, visit the Alliance of Bankers Associations website at www.allbankers.org or contact Carol Barnett at the MBA at 573-636-8151 or via email to cbarnett@mobankers.com.

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Page 16

The Missouri Banker July 14, 2011

News from the Regulators CFPB outlines bank supervision approach The Consumer Financial Protection Bureau on July 12 outlined its approach to supervising the 111 large banks with more than $10 billion assets that it will oversee beginning July 21.

The bureau said it will conduct periodic examinations for most of the banks it supervises.

But for the largest and most complex banks, the CFPB will implement a yearround supervision program that will be customized

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www.bransonbank.com / Branson Bank is an Equal Opportunity Employer.

to reflect the consumer protection and fairlending risk profile of the organization.

Fed publishes small bank exemption lists The Federal Reserve Board on July 12 published lists of institutions that are subject to, and exempt from, the debit card interchange

fee standards in Regulation II, which implements provisions of the DoddFrank Wall Street Reform and Consumer Protection Act. These lists, available at www.federalreserve.gov/ paymentsystems/debitfees. htm, are intended to help payment card networks and others determine which issuers qualify for the

statutory exemption from interchange fee standards.

The statute exempts any debit card issuer that, together with its affiliates, has assets of less than $10 billion.

The interchange fee standards become effective on October 1, 2011. The Board plans to update the lists annually.

MBAds Loan Officer position available with KCB Bank.

A lending background with a minimum of 5 years experience is requested. Ideal candidate must possess strong sales skills and a desire to develop new business relationships along with demonstrated community involvement. Salary is commensurate with experience. Please send confidential resume to: KCB Bank, Attn: HR, PO Box 888, Kearney, MO, 64060,or dawnl@ kcbbank.com. EOE Multi-location insurance agency looking for bank interested in providing insurance services to retain current and attract new customers. To Paid Advertisement

discuss possibilities call Gary Haney 417-9354443.

The Maries County Bank (MCB) seeks an experienced Loan Officer for the Belle branch.

Responsibilities include soliciting, analyzing, and managing requests for all loan types. A background in agriculture and community banking is preferred. MCB is a community oriented bank which provides a competitive salary and a benefits package including ESOP. Mail resumes to HR Director, P.O. Box 203, Vienna, MO 65582 or apply online at www.mariescountybank.com.

The Missouri Banker July 14, 2011

Page 17

Bankers’ Resource Directory ATM Equipment/Service Bankers Security Safe and Vault Raytown...................... 877-358-0883

Federal Protection, Inc. Springfield.................. 800-299-5400

Oppliger Banking Systems Olathe, KS................... 800-487-7875

Shazam Network Johnston, IA................ 800-537-5427

Accounting/Auditing BKD, LLP

Auction Services West Central Auction Company Harrisonville................ 816-884-1987

BOLI Executive Compensation Bank Compensation Consulting, Inc. Plano, TX.................... 972-781-2020 Burnsville, MN............. 612-210-7471

Equias Alliance

Bush, Ramlow & Shore, P.C. Springfield.................. 417-877-0505

Cummings, Ristau & Associates, PC St. Louis...................... 314-845-6050

Ganim, Meder, Childers & Hoering, P.C. St. Louis...................... 314-726-5270

KPM CPAs Springfield.................. 417-882-4300 Branson...................... 417-334-2987

KPMG LLP Kansas City................. 816-802-5200 St. Louis...................... 314-444-1400

Larson Allen LLP St. Louis...................... 314-925-4300

MIB Banc Services, LLC Jefferson City.............. 573-636-9555

Mayer Hoffman McCann P.C. Leawood, KS.............. 913-234-1000

RSM McGladrey, Inc. Kansas City................. 816-753-3000 St. Louis...................... 314-241-4100

Rolf, Perrin & Associates, P.C. Fairway, KS................. 913-671-8600

RubinBrown LLP St. Louis...................... 314-290-3300

Sims & Company, LLC Overland Park, KS...... 913-649-8100

The Whitlock Company, LLP Springfield.................. 417-881-0145

Williams-Keepers LLC Jefferson City.............. 573-635-6196 Columbia.................... 573-442-6171

Ag Business Missouri Corn Merchandising Council Jefferson City.............. 573-893-4181

Architects/Builders/Designers Copeland Development and Construction Company, Inc. Chillicothe................... 660-707-1412

Federal Construction, Inc. Springfield.................. 800-299-5400

NewGround Chesterfield.......... 314-636-898-8100

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

Brokerage/Investments Securities Bank of Kansas City, BOSC, Inc. Overland Park, KS...... 913-234-6651

CRA Investments, LLC Dexter......................... 573-624-8901

Central Bank Capital Markets Jefferson City.............. 573-634-1271

Commerce Bank Capital Markets Group Kansas City................. 800-548-2663 St. Louis...................... 800-392-2252

Country Club Bank Capital Markets Kansas City................. 800-288-5489 .................................... 816-931-4060

DeWaay Financial Network Kansas City................. 816-714-3120

FTN Financial Overland Park, KS...... 800-307-5410

First Bankers’ Banc Securities, Inc. St. Louis...................... 888-726-2880

Morgan Keegan Memphis, TN.............. 800-564-2249

M&I Bank St. Louis...................... 800-726-2663

Pulaski Bank St. Louis...................... 866-850-1312

Southwest Bank of St. Louis Investment Division St. Louis...................... 800-726-2663

Sterne Agee & Leach, Inc. Milwaukee, WI............. 888-477-9618

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

USAA San Antonio, TX.......... 210-498-1264

Vining Sparks Little Rock, AR............ 800-829-0321

Cash Management Services Reich & Tang Springfield.................. 417-890-7250

Belleville, IL................. 800-962-2462

W Deluxe Financial Services, Inc. St. Louis........................800-DELUXE ..................................(800-335-8931)

W Strunk and Associates, L.P.

Harland Clarke St. Louis...................... 314-518-4058

Check Recovery W Re$ubmitIt, LLC Louisville, KY.......866-274-8900 x241

Collections

Executive Benefits Network Lawrence, KS.............. 785-838-9800

Norman Backues & Associates Pentegra Retirement Services

Banc Consulting Partners

Prior Lake, MN............ 952-435-7737

Springfield.................. 417-865-8701 Kansas City................. 816-221-6300 St. Louis...................... 314-231-5544

Check Printing Information Solutions

Shaffer & Associates Columbia.................... 888-261-5689

Communications W TextCaster Kansas City................. 816-746-6835

Commercial Medical Loans Bankers Healthcare Group, Inc Syracuse, NY.............. 315-671-4138

Computer Software & Hardware Ace In The Hole Management, LLC Pacific......................... 314-803-6593

Data Center, Inc. Hutchinson, KS........... 620-694-6800

Harland Financial Solutions Lake Mary, FL....800-778-5667x6653

Huber & Associates Jefferson City.............. 573-634-5000

Jack Henry Banking Monett.......................... 417-2356652

Open Solutions Inc. Glastonbury, CT.......... 480-451-5932

SynTel, LLC Jonesboro, AR............ 800-898-2540

Tipton Systems St. Louis...................... 314-781-7750

Verafin, Inc. St. John’s, NL, Canada ... 866-781-8433

Consulting & Training Services Ace in the Hole Management Pacific......................... 314-803-6593

Advanced Bank Solutions Olathe, KS................... 866-931-4682

Brintech New Smyrna Beach, FL...... 800-929-2746

CBCS Community Bank Consulting Services, Inc. St. Louis...................... 314-863-1954

Coakley Strategic Solutions, LLC Jefferson City.............. 573-321-3922

Coterel Associates St. Louis...................... 314-540-6460

CrossFirst Advisors, LLC Overland Park, KS...... 913-754-9700

Haberfeld Associates Lincoln, NE................. 402-323-3782

Larry N. Laminger Consulting, LLC Lake Ozark.................. 573-365-5376

West Plains, NY.......... 800-872-3473 Riverside, MO............. 816-746-5559

Superior Consulting Springfield.................. 417-887-2124

Truman Wilson & Associates Lawrence, KS.............. 816-387-1595

Correspondent Banking Commerce Bank Kansas City.....800-821-2182 x22488

Country Club Bank Kansas City................. 816-751-9386

First National Bank of St. Louis St. Louis...................... 877-472-6974

Great Southern Bank .................................... 417-895-4749

JP Morgan Chase & Company Chicago, IL................. 312-732-5856

MIB - Midwest Independent Bank Jefferson City.............. 800-347-4642

M&I Bank St. Louis...................... 866-435-3020

Southwest National Bank Wichita, KS................. 316-838-5741

TIB - The Independent BankersBank Dallas, TX.................... 800-288-4842

Texas Capital Bank Kansas City................. 913-549-3539

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

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

US Bank - St. Louis St. Louis...................... 888-465-4540

Credit Bureau Collection Agencies A.M. Best Company Oldwick, NJ................ 908-439-2200

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

FISERV Kansas City................. 800-892-5907 St. Louis...................... 314-231-3800

Debit and Credit Cards TransFund Tulsa, OK.................... 800-588-6816

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

Deposit Acquisition/Retention Intrasweep, LLC Springfield.................. 417-890-7250

Page 18

The Missouri Banker July 14, 2011

Bankers’ Resource Directory Environmental Data Environmental Data Resources Belleville, IL. . . . . . . . . 618-538-6055

Executive & Director Benefit Plans Bank Financial Services Group Edina, MN................... 800-931-7782

Funding Federal Home Loan Bank of Des Moines Des Moines, IA. . . . . . 800-544-3452

Promontory Interfinancial Network Overland Park, KS . . . 866-776-6426

Government Agencies Missouri Agricultural and Small Business Development Authority Jefferson City.............. 573-751-2129

Missouri Housing Development Commission Kansas City. . . . . . . . . 816-759-6814

Missouri Development Finance Board Jefferson City.............. 573-522-4527

IRA & Qualified Plan Services W Ascensus Brainerd, MN. . . . . . . 800-346-3860

IT Security Services 10-D Security Overland Park, KS...... 913-529-1031

Secure Banking Solutions Madison, SD............... 605-270-9854

SpearTip Technologies Chesterfield................. 636-532-5055

Technology and Networking, Inc. Cape Girardeau.......... 573-335-5157

TraceSecurity, Inc. Baton Rouge, LA........ 225-612-2121

Insurance/Bonding W ABA Insurance Services, Inc. Call MBA Insurance Group at 800-234-4939

BancInsure, Inc. Call MBA Insurance Group at 800-234-4939

BanComp Insurance Group Call MBA Insurance Group at 800-234-4939

Chubb Group of Insurance Companies Call MBA Insurance Group at 800-234-4939

IAC Group

Hunton & Williams, LLP

Prairie Village, KS. . . . 800-821-5434

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

LRS Financial Services Kansas City. . . . . . . . . 800-624-1669

Lenders Insurance Solutions Group, LLC Ozark.......................... 417-581-8070

MBA Insurance Helpline Jefferson City. . . . . . . 800-234-4939

Mountain Life Insurance .Company Alcoa, TN . . . . . . . . . . 800-888-6542

Spectrum Financial Services Inc. Omaha, NE. . . . . . . . . 800-421-8339

W Travelers Insurance Call MBA Insurance Group at 800-234-4939

Truman Wilson & Associates Lawrence, KS. . . . . . . 816-387-1595

Winter-Dent & Company Jefferson City.............. 573-634-2122

Zurich North American Surety and Financial Enterprises Call MBA Insurance Group at 800-234-4939

Internet Service Provider

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

Lathrop & Gage L.C. Kansas City................. 816-292-2000

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

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

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

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

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

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

Thompson Coburn LLP St. Louis. . . . . . . . . . . 314-552-6000

Lending Risk Management Cochran Associates Jefferson City. . . . . . . 573-634-4304

SOCKET Columbia.................... 800-762-5383

Investment Banking Performance Trust Capital Partners, LLC Chicago, IL................. 312-521-1105

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

The Capital Corporation, LLC Lenexa, KS. . . . . . . . . 913-236-8188

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

Law Firms Armstrong Teasdale LLP Kansas City. . . . . . . . . 816-221-3420 St. Louis. . . . . . . . . . . 314-621-5070

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

Carnahan, Evans, Cantwell & Brown, P.C. Springfield.................. 417-447-4400

Gallop, Johnson & Neuman, L.C. St. Louis. . . . . . . . . . . 314-615-6000

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

Marketing W MPI Coin Grafton, WI. . . . . . . . . 800-459-9487

W Textcaster Kansas City. . . . . . . . . 816-746-6835

Modular Banking Facilities MPA Systems, Inc. Sanger, TX . . . . . . . . . 888-233-1584

Mortgage Lending Banc Mac Pawnee, IL . . . . . . . . . 888-821-7729

Crescent Mortgage Co. Atlanta, GA.................. 913-269-9090

Mortgage Services III, LLC Bloomington, IL.......... 815-378-8551

Other Financial Products & Services Citadel Trust Company St. Louis...................... 314-997-1110

MBA Bankers Service Corporation’s Title Service Jefferson City. . . . . . . 573-636-8151

Wheatland Advisors Inc. Belton.......................... 816-318-9997

Payment Technologies Clearent, LLC Clayton........................ 314-732-0515

Metavante Corporation Milwaukee, WI............. 414-357-9233

Resorts and Hotels Tan-Tar-A Resort, Golf Club, Marina & Indoor Water Park Osage Beach. . . . . . . 573-348-8554

Security Equipment & Alarms Monday Security Corporation Cahokia, IL. . . . . . . . . 800-886-6721

Shredding Services W Cintas Hazelwood. . . . . . . . . 800-795-7368

Title Insurance Agents National Title Insurance Company Columbia.................... 573-442-3351

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

Travel Services All About Travel Mission, KS. . . . . . . . . 913-671-7700 . . . . . . . . . . . . . . . . . 800-544-3019

Key MBA Associate Members and Members W Endorsed Vendors

Mortgage Technology SharperLending/AppraisalFirewall Spokane, WA. . . . . . . 800-452-1174

Office Supplies & Solutions W Office Depot .................................... 636-358-9093

Call the Rachael Preston at 573-636-8151 or e-mail her at rpreston@mobankers.com for more information about becoming an Associate Member of the MBA

The Missouri Banker July 14, 2011

Page 19

2012 Scenes of Missouri Calendar finalized For the fifth year, the MBA launched a photo contest for the 2012 MBA “Scenes of Missouri” calendar. The calendar design has now been finalized and orders are being taken. Twelve photos were selected to be featured for each month of the calendar, and fourteen more photos are used in photo collages for the front cover and the back page

of the calendar.

“We have another beautiful calendar this year,” said Carol Barnett, MBA Vice President of Products and Services. “Hundreds of photos were entered by dozens of Missouri bankers, directors, and family members – and we still had some beautiful photos that were submitted in previous

years to choose from. In fact, we are using eight photos in this year’s calendar that were previously submitted, and have photos from 21 different photographers.”

The back page photo collage this year features “Missouri blossoms and blooms” – a colorful representation of varied

was named to the Board of Directors for Central Bank, Jefferson City. Dr. Mahoney has served as Lincoln University president since 2005.

Danielle Unnerstall has joined the Bank of Washington as director of marketing.

Danielle Unnerstall Most recently she served as marketing manager for Paramount Apparel International, Inc., Bourbon.

Brenda Tucker, senior

available on the MBA web site at www.mobankers. com (click on “Scenes of Missouri Calendar” under the Products & Services tab). Calendars may be ordered up until August 31.

If you have any questions, contact Carol Barnett at the MBA at 573-636-8151 or via email to cbarnett@ mobankers.com.

Paid Advertisement

Achievements Chall A. Jenkins was appointed senior vice president/ operations for Country Club Trust Chall A. Jenkins.

Co. and Tower Wealth Managers, subsidiaries of Country Club Bank, Kansas City. He has responsibility for overseeing the operational groups of both subsidiaries. Jenkins has 18 years of banking experience.

Carolyn Mahoney, Ph.D., president of Lincoln University in Jefferson City,

flowers from around the state. One banker received the $100 cash prize for his “best in show” photograph, voted on by Missouri bankers – Jack Howard from Springfield for his photo of a red fox taking a walk after an ice storm in Lebanon.

To see the calendar design and an order form, go to Page 8. Information is also

vice president, will serve as branch manager for the new branch of Pulaski Bank located on Clayton Road in Ballwin. The new branch opened on June 13.

Tiffany Van Dyne has joined Adams Dairy Bank, Blue Springs, as a customer service rep- Tiffany Van Dyne resentative.

She has more than five years of experience in banking including working in customer service.

Page 20

The Missouri Banker July 14, 2011

RegulatoR Roundtable 2011 Regional Meetings

“…The Dodd-Frank Act . . . is a hazy work in progress, with an estimated 243 new rules due to be created and 67 new reporting requirements that aren’t yet clear to companies . . . “ - Wall Street Journal Tentative Program _______________ 8:30 a.m.

Registration

9:00 a.m.

Welcome & Business Meeting

Guest Speakers

Introduction of Regional Directors & At-Large Directors 9:15 a.m.

Topics of Discussion

• Upcoming 2012 State Legislative Session Issues

• 2012 Elections - PAC - Grassroots

• State Auditor Issues

• Federal Legislative Update

• Regulatory Feedback Initative

10:00 a.m.

Regulator Panel

11:00 a.m.

Q&A

11:30 a.m.

Adjourn

Noon

Lunch for Golfers

Golf - Tee times subject to change.

James D. LaPierre FDIC

John R. Jilovec FDIC

Speaking at Regions 1 & 3 and 6

Speaking at Region 2&4

Kevin Moore Federal Reserve Bank of Kansas City

Julie L. Stackhouse Federal Reserve Bank of St. Louis

Scott Smith Federal Reserve Bank of St. Louis

Speaking at Regions 1 & 3 and 6

Speaking at Regions 5 and 7

Speaking at Region 2&4

Richard (Rich) Weaver Missouri Division of Finance

Jerry W. Janes Missouri Division of Finance

Speaking at Regions 1 & 3, 5, 6, and 7

Speaking at Region 2&4

Mark S. Moylan FDIC Speaking at Regions 5 and 7

Mary Beth Farrell OCC

Dates & Locations _____________________

Speaking at Region 2&4

The regional meeting and golf will be held at the following locations.

Region 1 & 3 .................................................August 17 The National Golf Club of Kansas City 6700 North National Drive - Kansas City Tee Time: 1:00 p.m.

Region 6........................................................ August 18 Millwood Golf Course 3700 E. Millwood Drive - Ozark Tee Time: @ 12:30 p.m.

Region 7.........................................................August 30 The Dalhousie Golf Club 4763 Cords Way - Cape Girardeau Tee Time: @ 12:30 p.m.

Region 5........................................................August 31 Lake Forest Country Club 300 Yard Drive - Lake St. Louis Tee Time: @ 12:30 p.m.

Region 2 & 4 ............................................ September 7 Country Club of Missouri 1300 Woodrail Avenue - Columbia Tee Time: 1:30 p.m.

Ways to Register _________________

By Fax

Fax completed form to (573) 634-2754

By Mail

Complete and mail form with fees to: Missouri Bankers Association P.O. Box 57 Jefferson City, MO 65102

Online

www.mobankers.com.

Michael G. Koll, Sr. OCC

Lesslie Swip OCC

Speaking at Region 1&3

Speaking at Regions 5 and 7

Registration Form - Regional Meeting Please register the following individual for the region(s) checked.

Organization Information _______________ Bank/Firm ___________________________________ Address _____________________________________ City/State/Zip ________________________________ Phone_______________________________________ FAX ________________________________________

Registrant ____________________________ Name _______________________________________ Title ________________________________________ E-Mail ______________________________________ Check one:

 

Meeting Only Meeting/Lunch/Golf

Check Region(s) Attending:

Karen Swingler OCC Speaking at Region 6

Method of Payment ____________________ Member Fees - Per Meeting, Per Person $40 - Meeting Only* ....................... # _________ $ ________ $30 - Meeting Only - Each Add’l* # _________ $ ________ $140 - Meeting, Lunch & Golf ** .. # _________ $ ________ Non Member Fees - Per Meeting, Per Person $75 - Meeting Only* ...................... # _________ $ ________ $65 - Meeting Only - Each Add’l* # _________ $ ________ $180 - Meeting, Lunch & Golf*** . # _________ $ ________

Total amount due:

$ _______

*Lunch is not included in the meeting only registration fee  Check enclosed. Made payable to MBA  Invoice the bank  Credit Card Payment - Only VISA & MasterCard accepted.

 Visa



MasterCard

Exp. Date ___________



Region 1 & 3



Region 2 & 4

No._________________________________________



Region 5



Region 6

Print Name __________________________________



Region 7

Signature ___________________________________