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This was supposed to be just Sokka and Foo Foo Cuddlypoops but I got distracted and drew Momo and Hawky too
anonymous asked:
Did Sokka get married?
This was supposed to be just Sokka and Foo Foo Cuddlypoops but I got distracted and drew Momo and Hawky too
He finally found it in the nest of a sabertooth moose lion, with the sabertooth moose lion still inside. While Sokka expected a fight, he didn't expect the animal to run off, only to return with an apple. From then on, Sokka and Foo Foo Cuddlypoops were inseparable.
Got headcanons about the Avatar Universe? Send 'em our way!
And the animal themed headcanons continue…
-Mod Teacup
" Fave way to cuddle their s/o, with the Varia + Gokudera? (So happy you started this blog!) " - Anonymous
I'm glad that you are, dear~
[ For those that don't really understand it, this nickname is actually from Avatar: The Last Airbender. o: ]
Gokudera: The Heartfelt Headlock
Gokudera isn't really the type to cuddle because he finds all the positions to be very uncomfortable. But that doesn't mean that he's against the idea of cuddling entirely. The only time you'll ever get to cuddle with him is when you're about to go to sleep, when you're severely upset about something and he doesn't know what to do to calm you down, or when you're sick or injured. Other than that, cuddling is out of the question. Although, Gokudera's favorite cuddling position would be the 'Heartfelt Headlock'. This position usually requires the two of you to lie on your stomachs while facing each other, with your head buried into the crook of Gokudera's arm, or vice versa. It provides a sense of security and comfort for the Hurricane Bomb. This position also allows him to look at your face whenever he wakes up before you, and sometimes prevent you from getting out of bed; it also allows the two of you to share body heat in the middle of winter.
Xanxus: The Big Spoon
Xanxus also isn't very big on cuddling. There is only one position he likes to cuddle in, and that would be the 'Big Spoon', in which the two of you lie on your sides while facing the same direction, curled up into the contours of each others' bodies as if two spoons have been placed together. Of course, Xanxus prefers to be the big spoon, and will not tolerate being the little spoon. Ever. This position is his favorite one because he's a very hot natured person, and, you guessed it, gets extremely hot, extremely fast; being the big spoon allows him to throw the comforter off him without waking you up, and thus remain cool during the night as well as sleep with his arms around you. The Varia boss is also a very physical type of man, so whenever you go to sleep in that position, be prepared to wake up with something hard pressing against your lower back or buttox. It also puts the two of you in the perfect position for a little morning sex, since Xanxus prefers to sleep in the nude (he claims that clothes are too restricting to sleep in) and practically forces you to sleep naked as well.
Squalo: The Lap Pillow
Squalo's favorite cuddling position would be the 'Lap Pillow', in which you sit on the far right side or the far left side of the couch (or sometimes, the bed) and he stretches out across the whole thing with his head placed in your lap. Sometimes, he'll wrap his arms around your thighs or hold one of your hands while you use your other hand to run your fingers through his long, silver hair. Squalo finds you raking your fingers through his hair to be extremely relaxing; especially since the scalp is jam packed with pleasure sensing nerves, and you playing with his hair stimulates these specific nerves. Also, it has been scientifically proven that men's ears are extremely sensitive to the touch, which adds to the pleasurable and relaxing sensation. Usually when his fingers are intertwined with yours, he'll bring your hand to his lips and kiss the back of it and then each of your fingers, before leaning up just enough to place a chaste kiss on your lips. Squalo loves to cuddle in this position whenever the two of you are binge watching television series or movies, and on occasion will switch it up so that you are the one lying your head in his lap.
Belphegor: The Backwards Hug
Bel's favorite position would be the 'Backwards Hug', in which he sits down and has you sit down in between his legs with his arms wrapped around either your shoulders or your waist. He usually rests his chin on the top of your head whenever the two of you are in this position, and sometimes whispers things in your ear whenever he's feeling up to doing the do. This position gives him perfect access to your entire body if positioned right. He has a habit of holding you tightly so that you can't move or get up, and refuses to let you go even when you have to go to the bathroom. Usually you have to force him to let go, but it's no easy task since he'll sometimes wrap his legs around your hips to prevent you from standing up. This position gives you a sense of security and allows Bel to breathe a sigh of relief, because during the time he is holding you in his arms, he knows for certain that you are safe. Another reason that Bel likes this position is because he loves the smell of the shampoo / conditioner / body wash that you use.
Levi: The Sitting Cuddle
Levi too is not a big fan of cuddling, especially when he's trying to sleep. Usually, the only position he feels comfortable with is the 'Sitting Cuddle', in which you sit on his lap or straddle his waist, with both his arms wrapped tightly around your mid-section while yours are wrapped around his neck or your hands placed on his shoulders / chest. When the two of you aren't facing each other in this position, you usually grab hold of his hands / wrists while pressing your back against his chest. There have been a few occasions where your 'roles' in this position have changed, in which Levi is the one sitting on your lap, although this only ever happens whenever he's had a couple of drinks. Levi likes this position mainly because it seems to send a message to others that you two are happy together, and that you belong to him.
Lussuria: The Honeymoon Hug
The flamboyant Varia officer enjoys every single cuddling position known to man, so long as it allows him to hold you and press you against his chest. His absolute favorite position would be the 'Honeymoon Hug', in which the two of you are lying down and face each other while on your sides. Lussuria wraps his arms around you as if he is hugging you and pulls you close to his body, pressing your head against his chest while placing his chin on the top of your head. You usually do the same, but there have been a few occasions where you have had to actually push him away because it was too damn hot to cuddle. This position gives both Lussuria and you a sense of peace and tranquility, as if all is right in the world and all your worries just melted away. Sometimes, the two of you switch so that Lussuria is the one with his face pressed against your chest, but this only happens whenever he's upset about something and needs to be comforted by someone he cares about - you.
Adult!Mammon / Adult!Viper: The Sweetheart's Cradle
While cursed, Mammon greatly enjoys the cuddling position, the 'Sweetheart's Cradle'. This position is where you basically hold his tiny body against your chest with both arms wrapped around him, the way someone would hold a baby or a toddler. He usually likes to cuddle like this when the two of you decide to go to sleep. Mammon has you lie on your back while he lies on your chest, with one of your hands on his back to make sure he doesn't accidentally fall off or you don't roll over and accidentally crush his small body. In his uncursed form, the position remains the same. This position gives him perfect access to some of your most sensitive areas (nipples), although now it wouldn't be as awkward for him to make a move whenever he's in the mood. Whenever he does make a move, Mammon has a habit of lightly biting the side of your breast or nipple.
Fran: The Nuzzle Cuddle
Fran doesn't really like, or dislike cuddling. He doesn't care whether or not the two of you cuddle, but when you do, his favorite position would be the 'Nuzzle Cuddle'. This position is when one of you lies on top of the other with your legs intertwined, hands placed on top of the others' chest in between your two bodies, and your face pressed into the nook of the others' neck. Usually, you are the one on top, but sometimes Fran will switch it up if he's feeling a little frisky; this position gives him perfect access to your neck, and it allows him to easily hold you down whenever he decides to tickle the fuck out of you just for the hell of it. This position also provides both you and Fran with the awareness of mutual love.
A/N: This is the second part in my astro as avatar series. If you haven't seen part one or part 3 click on the links below(:
JinJin- Appa
bc jinjin's a big softie just like appa
MJ - Hawky
a dignified looking thing that is actually the most immature and clueless of everyone
Eunwoo - Foo Foo Cuddlypoops
because he's the cutest little turd you'll ever meet
Moonbin - Flopsy
bc he's v big and tol but is really just a big softie
Rocky - The Badger Mole
another earth kingdom pun because i can't help myself
Sanha - Momo
because he's a mischievous ball of energy that doesn't have an off switch
Requested by bijou-frost
anonymous asked:
Did Sokka get married?
Yes. His full name is Sokka Cuddlypoops
Cuddlypoops requested by: fire-lady
(gifs belong to cuddlypoops)
Look what we have now! Soon we will all have a legit cuddle suit! Going to be some badass cuddles!
It was so awesome that i had to draw it.
k-chocho asked:
Do you know any good ATLA/LOK blogs that I can follow? :)
These are my favorites!
Tumblr Crushes:


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The security trade turned out in force to Las Vegas this week to attend the annual Black Hat Conference. Vendors used the opportunity to showcase their newest and best expertise releases. Those releases included new updates for risk detection, product integrations, security companies, menace intelligence and rather more. Vendors said the brand new solutions will help clients step up their sport in opposition to attackers and deal with new threat vectors, lots of which had been presented by hackers at the show. Take a take a look at sixteen options that had been launched at the present this week.
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Blackhat opens with a shot of Earth from area, but as a substitute of the standard view of the continents, we see the crisscrossing of network connections across the globe, trying like the jagged surface of Jupiter's moon Europa. The digital camera zooms into a computer in a Chinese nuclear power plant, and with the assistance of a great deal of CGI, we see a backdoor intrusion result in an inflow of malicious code. The power plant's core heats up, and issues go growth. The total opening sequence is an awe-inspiring means of displaying the disastrous penalties of someone typing just a few keystrokes – it's just too dangerous that scene represents the height of the movie's visible approach to hacking.
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DAVAO CITY, Philippines – President Duterte did not take time off during the All Saints' Day break as he paid a visit to soldiers wounded in an encounter with Abu Sayyaf bandits in Sulu on Monday afternoon.
Duterte visited the eight wounded soldiers in a hospital at Camp Teodulfo Bautista in Jolo at around 3:30 p.m.
Duterte's visit to Sulu was not planned, surprising military and local officials.
The President flew to Jolo despite the bad weather to give moral support to the troopers. He pinned medals on six of the troopers of the Army's 21st Infantry Battalion.
Two of the eight soldiers were transferred to a hospital in Zamboanga City, the military said.
Duterte gave each of the soldiers a check for P100,000, P10,000 in cash, a Glock handgun and a wounded personnel medal.
The soldiers were wounded in a clash with around 100 Abu Sayyaf bandits in Barangay Panglayahan, Patikul town on Sunday.
Duterte has been visiting military camps during his first months in office.
After visiting the soldiers, the President flew back to Davao City.
Duterte was scheduled to visit the tombs of his parents at the public cemetery here yesterday.
He is expected to be in Manila today for a scheduled Cabinet meeting on Thursday.
source: philstar.com


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Good morning folks! It's supposed to be a lovely day to day and I can't wait to take advantage of it! It's not supposed to get very warm, only 60, but that's good enough for me. With as cold and rainy as it's been lately, this is a wonderful change. On a not so fun note, I cut my thumb yesterday trimming the fat off of a still partially frozen roast, so today, I'm rocking a neon green band-aid. It's in the way of typing, but not too much trouble. Time to check out Amazon.com for some new Finds.
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Exhibition & Fundraiser at the Berghoff Restaurant's New East Wing Gallery
Hey Chicago, come celebrate with me on Thursday, May 5th
Posted Apr 19, 2011

On Thursday, May 5th I'm hosting a special event downtown. The Berghoff Restaurant is launching a new rotating art gallery in the lower-level of the historic space. The inaugural show in the East Wing Gallery features 12 of my large Chicago prints and highlights the relationship between After School Matters instructors and teen apprentices.

For the past few years I've taught a darkroom photography class through After School Matters. It's been a lot of fun and super rewarding. It's exciting to be recognized and to share our work and experiences with a larger audience. My students will be in attendance and their prints will be available at a silent auction. There's a $20 suggested donation at the door and the Berghoff will be serving delicious hors d'oeuvres. All proceeds benefit After School Matters.

I hope to see you on Thursday and introduce you to a new generation of artists!

For more information, visit the Berghoff Restaurant website.

What: Fundraiser and Exhibition in association with After School Matters

Date: Thursday, May 5th 6-8p

Location: The Berghoff Restaurant, 17 W. Adams, Chicago IL 60603

RSVP: Amy Ricchiuto, aricchiuto at berghoffgroup.com or 312.408.0200


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text: ArchiveRossi looking to hit six World champion Valentino Rossi is aiming for his sixth consecutive Australian MotoGP title on Sunday as he seeks to close in on championship leader Nicky Hayden. 14 Sep 2006 12:03 GMT Always setting tongues wagging: Valentino Rossi The Italian showman is unbeaten on the Phillip Island circuit since 2001 and has come back into contention for the title after winning last week's Malaysian Grand Prix. The victory pushed the five time champion to within 26 points, or just over a podium win, of top spot on the championship ladder with four MotoGPs left in the season. "I always look forward to this race a lot and especially now when my MI (bike) is working so well," the 27 year old Rossi said. "Phillip Island is a magic track for me. I've won a lot of races there and some championships too." Hayden, riding a Repsol Honda, took fourth place in Malaysia and will be looking for his third MotoGP win of the year to extend his lead. "There are four races to go and some tracks I really like (are) coming up," the American said. "We're still in it and we'll keep working hard." The 17-round world championship heads to Motegi in Japan next week before returning to Europe for the Portugese race at Estoril on October 15 before ending in Valencia, Spain on October 29. Source: AFP


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Slipknot claim Number One in US after recount
The Game is not top of the charts after all
Slipknot have claimed the Number One spot on the US Billboard chart after a recount showed that they actually sold more records than The Game.
Initially, The Game was awarded the top position for 'LAX' having sold 238,285 with Slipknot in second place, just 13 units behind at 238,272 with their fourth studio album, 'All Hope Is Gone'.
But with such a close margin, a recount was carried out by SoundScan and it turns out Slipknot actually sold over a thousand albums more than The Game, and the new figures have reversed the chart positions to put Slipknot at the top and The Game in second place.
–By our New York staff.


text:
Author | Noor Fathima Warsia | Thursday, Mar 12,2009 7:37 AM
Hindi GEC Real from Real Global Broadcasting, the Alva-Turner 50:50 joint venture in India has also entered the ratings battlefield. TAM Media Research's week 10 data is here, which also includes the launch week numbers for Real. The channel has opened with 9 GRPs. The numbers are lower than what was seen for channels such as 9X, NDTV Imagine and Colors at the time of their launch.
Commenting on the numbers, Sunil Lulla, CEO, Real Global Broadcasting, said, "I believe we have a distinctive product, and any product takes time to grow. These numbers, too, will grow. We cannot speak in much detail on the numbers, as you need at least 4-5 weeks of data to be able to analyse the content and the audience traction that it is getting."
The media industry, however, is clear that these numbers are low, but that it would be too early to pass any comment on the channel as this is only the first week numbers. Prasanth Kumar, Managing Partner, CTG, GroupM, said, "These numbers are below expectations, but this is only the first week, so we have to still see how Real works on growing these numbers. They have shows like 'Sarkaar ki Duniya' that one would like to watch out for, and then they are still in the process of putting their distribution in place."
Anamika Mehta, COO, Lodestar Universal, is of a similar view. She observed, "If you had to compare it with the other Hindi GECs, much has changed in the media environment today. NDTV Imagine and 9X had opened very well, but for Real, there is much more clutter in the GEC space. Also, the channel says that it has a distinctive proposition, but a lot of this disruption was already seen when Colors got non-fiction in the primetime. There is no extreme differentiation in the content of Real at present."
However, both Mehta and Kumar believe that the hype that was generally seen around the launch of a Hindi GEC was missing in the case of Real. Kumar said, "As a viewer or a media observer, I did not feel any big push from the channel." Mehta added to this, "Real has launched in a slow economic scenario, but that does not make any difference to the viewers. They need the same kind of reminder and re-reminders, especially since there are 10 other players trying to attract viewer attention."
For Real though, the game has only just begun. Lulla said, "We are strengthening everything around the channel, including things like distribution, every day. I believe that going forward our reach and time spent would grow. All said and done, this is a business, and you have to make your business grow."
Also read:
It's time to get Real from tonight
Programming HeadRadio Mango


text:
The Missouri Banker Volume 70, Number 1 • THE NEWSPAPER OF THE MISSOURI BANKERS ASSOCIATION • Thursday, January 16, 2014
Get your cameras ready for Scenes of Missouri calendar photo contest MBA is now accepting photos for consideration for the 2015 MBA "Scenes of Missouri" calendar featuring photographs sent in from MBA Member bank employees, directors, and their family members. Over the past seven calendars, dozens of Missouri photographers have had their photos featured. You could be next! Sold exclusively to banks throughout Missouri, these calendars make fantastic gifts for customers to enjoy year-round and to promote your bank. And, the photo in the calendar that is judged "Best in Show" will win $100 for the photographer!
Only digital photos are being accepted for consideration by emailing them to firstname.lastname@example.com or submitting them on a cd. Photo entries may be submitted up until May 1, 2014. For complete entry details and a photo contest entry form, go to www.mobankers.com and click on "Scenes of Missouri Calendar" under the Products and Services header. If you have any questions, contact Carol Barnett at the MBA at 573-636-8151 or email her at firstname.lastname@example.com.
Beginning Farmer Loan Program increased
The Internal Revenue Code had been amended to increase the maximum amount for the Beginning Farm Loan Program to $509,600. The program is designed to encourage lenders to offer lower interest rate financing to those starting a career in production agriculture. The Missouri Agricultural and Small Business Development Authority (MASBDA), housed at the Missouri Department of Agriculture, administers the farmer loan program which, in cooperation with local lenders, assists beginning farmers across the state in acquiring agricultural property at reduced interest rates. The program enables lenders to receive federally taxexempt interest on loans made to beginning farmers. The tax savings are passed on to beginning farmers in the form of lower interest rates. To qualify as a beginning farmer, an See Beginning Farmer, Page 3
Technology trends: What's coming in the next 5-7 years? By Jack Vonder Heide Which new technologies will change banking and which will prove to be nothing but hype? There are several emerging trends that could have Jack Vonder Heide a significant impact and banks should carefully monitor them. Data storage cost First, the cost of data storage has dropped exponentially during the past decade and is predicted to drop at an even steeper rate over the next few years. This means that banks should be able to
store literally every bit of information they have, indefinitely, at a very low cost. Data analysis and logic tools Second, data analysis and logic tools are becoming more robust, more intuitive and easier to use. Banks will be able to make practical use of the data under their control without a lot of IT expertise. For example, if a customer was coming in for a meeting, their banker could request a two-page summary of the client's background and banking relationship and the report would be generated instantly. Marketing tools Third, custom marketing
tools will enable banks to promote the exact services and products their customers need at the exact time when they are most likely to buy. If a bank offered a zero percent teaser rate on a credit card for 12 months and wanted to market the card to existing customers who had credit cards with competing banks, a few simple commands would set everything up. When an existing customer went online to pay their monthly bill for a competitor's card, they would be displayed with personalized information on how much money they could save by transferring the balance to a new card. Mobile payments Fourth, mobile payments will become more flexible. Traditionally, when a business applies for a credit card with the bank, a list of authorized users is provided and each user is issued his or
her own credit card. In the future, customers will be able to authorize any employee to make one-time charges on the company account. For example, if a restaurant wanted to authorize a kitchen worker to purchase dishwasher detergent at a wholesale warehouse, a QR code could be sent to the employee's smartphone. When the employee arrived at the point of sale, the QR code would be scanned and a onetime charge to the company's account would be authorized. Authentication technology Fifth, new advances in authentication technology will make account takeover more difficult. Voice recognition will enable a mobile user to access an account by repeating three random words that the system generates. If the words are spoken in the correct sequence and the voice print matches what the bank has on file, the customer will
Visit our web site at http://www.mobankers.com
be authenticated. Another method allows the customer to use a smartphone's camera to take a picture of their eye. The photo is compared to the bank's photo and, if they are a match, account access is granted. These are just a few of the promising technologies we can expect to see during the coming years. It is important for every bank to plan a technology strategy that provides outstanding customer service while maintaining proper cost controls. We are in for some exciting times! Jack Vonder Heide with Technology Briefing Centers, Oak Brook, IL, will be a general session speaker at MBA's 2014 Technology Conference set for Feb. 11 and 12 at Tan-Tar-A Resort. He will speak at two sessions about new technologies. Visit the MBA website at www. mobankers.com for more information or turn to Page 16.
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The Missouri Banker January 16, 2014
Lobbyist's Update
Session starts with ambitious agendas Craig Overfelt Senior Vice President Missouri Bankers Association email@example.com
I'm starting my 32nd legislative session lobbying for the MBA and other financial interests. Each session starts with much anticipation as legislative The Missouri Banker
573-636-8151 Max Cook Publisher email@example.com William O. Ratliff Managing Editor email@example.com Sue Norfleet Editor email@example.com The Missouri Banker (USPS Number 000044, ISSN Number 0893-5637) is published 12 times a year (once a month) 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 email@example.com
leaders and the governor put forth ambitious agendas. In Missouri, we have divided government with the legislative branch run by Republicans and the executive branch in Democrat hands. The GOP super majorities in both the House and Senate created a rare showdown during the annual veto session last September. A record number of vetoed bills were overridden and put into law. It remains to be seen how the legislative process will be affected by the veto session results. Will the governor's office become more involved in the crafting of legislation? Will the GOP legislature continue to pass its priority bills with or without input from the governor's office? Another development late in 2013 was the special session to attempt to entice Boeing to expand in the
St. Louis area. Lawmakers and the governor's office worked together to quickly pass legislation. Will that cooperation carry over to this legislative session? One thing is certain … 2014 is an election year and the looming elections will most certainly play a role, as candidates begin filing for office on Feb. 25. HHHHHHH MBA has a busy agenda for banking related legislation this session, including bills to: • Reign in patent trolls and the unwarranted demand letters for payment by banks and small businesses on phony patent claims. • Update the legislation passed last session dealing with UCC Article 9. • Restore the intent of a condominium limited priority lien law following a negative Missouri
Supreme Court decision. • Provide banks and savings institutions with the same proportional income tax cut given to other Missouri corporations. • Prohibit pension advances to public employees. In addition, there will be many bills introduced that will have a negative impact on the banking industry. MBA expects to oppose legislation to allow a lien for the purchase of delinquent real estate taxes. With this in mind, I urge you to schedule a Target Banker visit this
session. There are so many lawmakers with very little experience and your contacts and grassroots efforts are the most important part of any successful legislative session for the industry. Earlier I discussed this being the start of my 32nd legislative session. There are many lawmakers who aren't even 32 years old. The importance of getting your younger bank leaders to participate in the Target Banker program has never been more evident. Grassroots and banker involvement … I will be consistent on this message!!
Missouri Senate and House Makeup Senate 24 Republicans 9 Democrats 1 Open
House 108 Republicans 52 Democrats 3 Open
In Memoriam R. Crosby Kemper, Jr., passes at age 86 R. Crosby Kemper, Jr., long-time Kansas City businessman, philanthropist and civic leader, died at the age of 86 on Jan. 2. Kemper was chairman emeritus of UMB Financial Corporation and had been serving in various roles across the company since 1950. Born in Kansas City, Mo., R. Crosby Kemper, Jr., only son of R. Crosby Sr. and Enid Jackson Kemper, was born Feb. 22, 1927. Kemper's banking career spanned more than five decades from his start at age 22 at his father's City National Bank as a night transit clerk—where he met trains and sorted checks—to senior chairman of the multi-bank holding company now known as UMB in 2001. He retired from UMB in 2004, leaving the banking legacy to the next generation. At that time, his son J. Mariner Kemper became the sixth Kemper to lead the company. Mr. Kemper had seven children between his marriages to Cynthia Warrick Kemper and Mary "Bebe" Stripp Kemper and is survived by: R. Crosby Kemper III, Pamela Kemper Gabrovsky, Sheila Kemper Dietrich, Alexander C. "Sandy" Kemper, Heather Kemper Miller, J. Mariner Kemper and Mary Kemper Wolf. By his children, Kemper was often quoted for the importance of "doing what's right, not what's popular," and served as a role model for civic activity. He is
also survived by 22 grandchildren and two great-grandchildren. Memorial contributions may be made to the Agriculture Future of America, American Royal, Phillips Academy, Kansas City Symphony, and the Kemper Museum of Contemporary Art. A website was created in R. Crosby Kemper Jr.'s honor that includes a full biography, photos, videos and legacy information: rcrosbykemperjr.com. J. Lyle (Bud) Wells Jr. passes away Dec. 25 J. Lyle (Bud) Wells, Jr., passed away Dec. 25, 2013. He was 85. Mr. Wells joined UMB Bank in 1956. As a UMB associate, he served as an advisory member on the boards of UMB Financial Corporation, UMB Bank, NA, and UMB's Kansas City Metro Region. Mr. Wells and his late wife, Anne, hosted UMB correspondent events in the Midwest for more than 40 years. Mr. Wells is survived by his son, Lyle Wells III and two daughters, Marianne Wells and Linzee McCray. The family suggested memorial contributions to the Boy Scouts of America or the Children's Therapeutic Learning Center. Condolences to the Wells family may be sent in care of Jeff Goble, 1010 Grand Ave., Kansas City, MO 64141.
The Missouri Banker January 16, 2014
Page 3
2014 renewals successful for MBA VEBA By John Hunt Vice President MBA Bankers Benefit Corporation The Affordable Care Act (ACA) created significant consternation for many Members of MBA VEBA as they John Hunt considered their Jan. 1 major medical renewal. Even though the much discussed Employer Mandate was delayed until 2015, other major provisions of Federal Health Care Reform still apply in 2014. These include the Federally Facilitated Marketplace in Missouri, elimination of pre-existing condition limitations, removal of dollar limits on coverages and rate
revisions in the small group marketplace. Added to concerns about compliance with Health Care Reform was the need for an overall rate increase requested of MBA VEBA participants. While available benefit plans remain unchanged, the cost increase is an example of what has become the unfortunate norm in employee benefit plans. In the short term, staff and Trustees at MBA VEBA would count the January renewal cycle a strong success. The VEBA Trust retained 96 percent of its 2013 enrollment and the net impact on revenues provided exactly the increase needed to fund claim payments and support proper reserves in 2014. Now, the really hard work begins! VEBA plans are fully ACA compliant, but the es-
tablished cycle of premium increases related to the steadily rising cost of health care is not sustainable. Certainly, some VEBA member banks renewed their plans under a degree of duress and everyone remains concerned about overall plan costs. In the next few months, MBA VEBA staff and the
Trustees will be reviewing plans, processes, underwriting and rates in a search to find answers to these continuing questions. It is necessary for MBA VEBA to continue its evolution and, rather than being pleased about 96 percent retention in a renewal cycle, move to enrollment growth and
Beginning Farmer
from Page 1
applicant must meet the following criteria: 1. Borrowers must be legal Missouri residents at least 18 years old. 2. Borrower must be able to provide
proof of citizenship, identity and legal Missouri residence.
3. The agricultural property must be
located within Missouri.
4. The beginning farmer is one who
has not owned, either directly or indirectly, more than 30 percent of the median size of a farm in the county.
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innovation for the long term. The next few months will be focused on the future, looking one to five years out and trying to clearly see into the crystal ball of Health Care Reform. Through it all, our commitment to preserve and add value to MBA VEBA for the benefit of member banks and their employees is unwavering.
After the loan is closed, the borrower's chief occupation must be farming or ranching, gross farm income must exceed any off-farm income (spouse's off-farm income does not count in determining eligibility). 6. Individuals in partnerships are eligible for loans if all partners meet the eligibility requirements. If you have any questions, please do not hesitate to visit our website at www.mda. mo.gov, or give our office a call at (573) 7512129. 5.
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The Missouri Banker January 16, 2014
Regulation X (RESPA) 120-day hold for small servicers By Keith Thornburg MBA General Counsel Many of our banks qualify as "small loan servicers" and have been exempted from some of the burdensome and costly new requirements that the CFPB has imposed on large loan servicers, particularly with regard to the early intervention and "loss mitigation" procedures that are intended to assist borrowers that have fallen into default. The basis for the exemption is that these banks (small servicers) have typically originated these loans in their home communities. They know their customers, and community banks have always been knowledgeable and responsive to their customers' circumstances and needs. Our small loan servicer banks have raised the question of whether they are subject to the "120 day hold" in delinquency status for the "first notice or filing" (i.e. initiating a foreclosure) since small servicers are exempted from significant portions of the CFPB's new subpart C addition to RESPA/ Reg X / (12 CFR parts 1024.30 to 1024.41). Small servicers are specifically exempted from 12 CFR parts 1024.38 through 1024.41. While small servicers are generally exempted from 12 CFR 1024.41, including 12 CFR 1024.41(f) that establishes the general 120 day hold
– there is an express carve out that is both called out from the exemption and that expressly sets out a 120 day hold that does apply to small servicers, within this group of regulations at 12 CFR 1024.41(j). Essentially small servicers are NOT exempt from 12 CFR 1024.41(j) AND this section states an express and separate small servicer 120 day hold. This is pretty complex drafting and the awkward presentation in the regulations has resulted in confusion. Here is the exemption including the carve-out from the exemption related to 1024.41(j): 12 CFR 1024.30 (a) In general. Except as provided in paragraph (b) and (c) of this section, this subpart applies to any mortgage loan, as that term is defined in § 1024.31. (b) Exemptions. Except as otherwise provided in § 1024.41(j), §§ 1024.38 through 41 of this subpart shall not apply to the following: (1) A servicer that qualifies as a small servicer pursuant to 12 CFR 1026.41(e)(4); (Our emphasis) Small servicer is defined in Reg Z (12 CRF 1026.41(e) (4) – which definition is not at issue here. Here is the general 120 day hold associated with "loss mitigation" procedures:
12 CFR 1026.41 (addresses loss mitigation procedures) 1024.41(f)(1) provides: (f) Prohibition on foreclosure referral. (1) Pre-foreclosure review period. A servicer shall not make the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process unless a borrower's mortgage loan obligation is more than 120 days delinquent. Here is the small servicer 120 day hold that is NOT covered by the exemption AND that is written expressly to apply to small servicers: 12 CFR 1024.41(j): (j) Small servicer requirements. A small servicer shall not make the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process unless a borrower's mortgage loan obligation is more than 120 days delinquent. A small servicer shall not make the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process and shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, if a borrower is performing pursuant to the terms of an agreement on a loss mitigation option.
While small servicers are not bound under regulation or law to offer loss mitigation procedures, the drafters of 1024.41(j) apparently, in the second sentence wanted to assure that if a small servicer does choose to enter an agreement providing a loss mitigation option with the borrower – that no foreclosure process is initiated while the borrower is performing according to the agreement for, and while the loan is in, the loss mitigation status. This was likely incorporated as a pre-caution to assure no loan servicer (whether large or small) "double tracks" a borrower that is in default and participating in a loss mitigation program – by initiating the foreclosure process at the same time. During the mortgage crisis some large servicers engaged in "double track" mitigation and foreclosure processes – either because of bureaucratic error – or – intentionally because in some states the foreclosure process takes so long that a trial modification could be dual tracked with the foreclosure process with the option of suspending the foreclosure – depending upon the borrower's performance. The MBA appreciates the opportunity to consider your questions and to inform our membership of common concerns and challenges our members are seeing.
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The Missouri Banker January 16, 2014
What's Next? (now that Jan. 10, 2014 has passed?) By Rob Hoff, CRCM Vice President MBA Compliance Services How many of you remember the "late", late show host Johnny Carson? One of his regular routines was called "Carnac the Magnificent". Rob Hoff Ed McMahon would introduce Carson by saying something like, "And now, the great seer, soothsayer, sage and former financial adviser to the Greek government, Carnac the Magnificent!" Johnny would come from behind the curtain and walk to his desk wearing a feathered turban and a cape. Carnac would then hold up an envelope to his forehead and guess the answer to the question that was concealed inside the envelope – usually for some real laughs! Yeah, so that was funny, but what does all this trivia have to do with Compliance, you ask? So just imagine Carnac today holding up an envelope to his forehead, and it has a return address from the Consumer Financial Protection Bureau (CFPB). "Carnac the Magnificent" makes
a snide look at his side kick on the couch, Ed McMahon, and says, "363 pages!" Then Carnac opens the envelope and the question was "What has CFPB done to help bankers understand all this Dodd-Frank stuff that went into effect 1/10/14?" The good news is that the CFPB is trying to help us by publishing seven different compliance guides that explain the new Truth in Lending and RESPA rules that went into effect January 10, 2014 from the DoddFrank Act. The bad news is the seven guides total 363 pages! You can access these guides through the CFPB website: http://www.consumerfinance.gov/ regulatory-implementation/ Then you will see a list of links of the various guides that you can download in Adobe format. I've made a listing (see the chart at upper right) and added two columns so you can see the most recent version and issue date on that topic, and the number of pages in the guide. These really do seem to help with implementation and understanding the specific issues and questions that bankers have brought to the CFPB – much like we're used to seeing in the Staff Commentaries to Regulation Z
CFPB Guides
Version & Last Revision V 2.2, 01/08/14 V 2.1, 01/09/14 V 2.1, 01/13/14 V 1.2, 01/13/14 V 1.2, 01/13/14 V 1.1, 01/06/14 V 2.1, 01/07/14
Ability to Repay/Qualified Mortgage 2013 HOEPA Rule Loan Originator Rule ECOA Valuations TILA HPML Appraisals Escrows TILA and RESPA Servicing and other regulations. Some important things to consider and remember – 1. If you save these guides to your PC for reference, be sure to look at the web site periodically to see if any new versions of the guide have been issued by the CFPB. 2. Subscribe to the email alerts on the CFPB site so you can keep up to date on revisions. You may also wish to subscribe to email alerts from your primary federal regulator (FDIC, FRB, OCC) for this same purpose. 3. Watch the weekly MBA Compliance Update email from Mike Noblett as it will include revisions that have been issued by the CFPB. 4. Use these guides anytime your bank is considering changes to underwriting or product terms
involving home lending. We wish you a prosperous and happy 2014 and invite you to contact the MBA Compliance Services division if we can be of assistance in implementing these new rules in your institution. This article is for information purposes and does not contain or convey legal advice. The information should not be used or relied upon in regard to any particular situation without consultation with your bank attorney. MBA Compliance Services and its Compliance Force program offer a variety of programs to aid banks with compliance needs. Services available include on-site education, in-bank training, compliance reviews and loan review. For more information, call Carol Barnett at the MBA at 573636-8151 or email her at cbarnett@ mobankers.com.
Compliance peer groups set meetings in Springfield, Jefferson City, Cape Girardeau Region 6 Compliance Peer Group meeting set for Jan. 23 in Springfield The Region 6 Compliance Peer Group is scheduled to meet Thursday, Jan. 23, from 2 to 4 p.m. at Empire Bank's training center, 1828 S. Stewart St., Springfield. The format of the meeting will be an open forum. Any questions regarding the meeting should be directed to Connie Landolt at 417-8850504. Region 4 Compliance Peer Group meeting set for Feb. 11 in Jefferson City The Region 4 Compliance Peer Group is scheduled to meet Tuesday, Feb. 11, from 1 to 3 p.m. at the Central Bank Financial Center, 111 East Miller St., Jefferson City. The meeting will be held on the third floor and it is accessible by elevator to all visitors. Attendees are asked to submit suggestions on topics they would like to discuss to Wendy Sullivan at the email listed below. Please RSVP to Wendy Sullivan at wendy_sullivan@
Number of Pages 50 39 85 29 30 26 104
centralbank.net by Friday, Feb. 7 if you plan to attend the meeting. Region 7 Compliance Peer Group meeting set for Feb. 13 in Cape Girardeau The Region 7 Compliance Peer Group is scheduled to meet Thursday, February 13, 2014, from 1:30 – 3:30 p.m. at First Missouri State Bank, 2 South Mount Auburn Rd, Cape Girardeau, MO. Robert Butler, Insurance Specialist, with the Department of Homeland Security/FEMA, Region VII from Kansas City will be the guest speaker. Butler will present a program on the Biggert-Waters Flood Insurance Reform Act addressing expected changes affecting FEMA, financial institutions, consumers and businesses located within a special flood hazard area and tips to reduce flood insurance premiums on properties located in a flood hazard area. Please RSVP to Terri Owens at email@example.com by Monday, Feb. 10, 2014 if you plan to attend the meeting.
Principles of Banking Class set in March
A two-day AIB Principles of Banking Class will be held on March 19 and 26 in Jefferson City at the MBA Office. The class presents an overview of the fundamentals of banking as well as contemporary issues and developments in the industry today. It is the only class that is needed for all AIB diplomas and certificates. The class begins at 8:15 a.m. and adjourns at 4:30 p.m. There will be a one-hour break for lunch on your own. For more information, visit the MBA website at www. mobankers.com or call 573636-8151
The Missouri Banker January 16, 2014
Page 7
Interest rate risk: A priority for 2014
By Jeffrey F. Caughron Associate Partner The Baker Group LP
Banking environment As we move into a new year, the US economy continues to plod along at a slow and steady pace. Things are getting better, but we're still far from where we were before the "Great Recession" began. Meanwhile, the banking landscape has improved markedly as earnings clocked 16 consecutive quarters of year-over-year increase. Returns on assets remain below pre-recession levels, but they're higher than a year ago and comfortably above one percent. Much of the improved performance comes from healthier asset quality. Loan losses have declined to levels not seen since 2007, and provisions have fallen nearly forty percent. All of this is good news, but make no mistake; banks face a multitude of challenges ahead. Spotlight on interest rate risk Not the least of these challenges is that of potential interest rate risk (IRR). Regulatory agencies have once again elevated IRR as a focal point for examiners, as evidence suggests that many financial institutions are taking on higher levels of interest rate risk. Balance sheets have changed noticeably in recent years as loan demand has been weak and short-term rates have hugged historic lows. This could leave them significantly exposed to a sustained increase in interest rates. In October, the FDIC released an FIL on Sensitivity to Market Risk. Simultaneously, the OCC conducted a webinar to address the IRR issues they thought most important. There is a consensus among regulators that the essential risk for banks stems from long-term (or high duration) assets funded by non-maturity
deposits that have surged into bank balance sheets in the wake of the Great Recession. The influx of "surge deposits" has regulators concerned about the potential for fast rising interest expense from rate sensitive liabilities. At the same time, asset values could come under greater pressure than in past rate cycles because effective durations are relatively high. The price risk of some investment portfolios has increased significantly in the past few years due to lengthened maturities, options risk, and declining yields. Management tools The regulatory concerns should cause bank mangers to ponder several questions about the reporting tools that they have at their disposal: 1. Do we have reports that project securities depreciation relative to capital in a rising rate environment? 2. Does our IRR model shock the fair value of regulatory and risk-based capital ratios as well as simple equity capital? 3. Do we have a way to model faster re-pricing liabilities relative to earning assets? 4. Are "floors" on loans modeled properly in our IRR system? 5. Do we have reports that show how our balance sheet liquidity is affected by rising interest rates? 6. What if we just want to look at securities cash flow? Risk Management decision-making depends on thorough and meaningful data in a usable report format. The five questions above are good ones to consider when assessing the adequacy of an IRR reporting system. Risk, capital, and stress tests It makes good sense to measure and monitor the relationship between unrealized losses and capital. And this extends to various measures of capital itself. For example, if we apply the mark-to-mark
adjustment for securities to risk based capital measures, we can more closely capture a total picture of the bank's relative risk. All else being equal, a bank that makes relatively few loans can sometimes justify a higher level of interest rate risk than a bank with a high loan/deposit ratio. Similarly, well-capitalized banks with pristine asset quality can tolerate more interest rate risk than those with high "Texas Ratios." Institutions should run stress tests on assumptions for
non-maturity deposits in IRR models to identify exposure to rising rates and higher interest expense. Back tests and assumptions reviews should ensure that floors on loans are being modeled properly. The dynamics of balance sheet cash flows should be reported and reviewed, and investment cash flow projections tracked for different rate environments. Banks have again been given a "heads up" from examiners on interest rate risk. With proper reporting tools, good policies, and sound processes,
the regulatory challenge can be met and the potential risks managed for a smooth and profitable 2014. The Baker Group LP is an Associate Member of the Missouri Bankers Association. The company is the sole authorized distributor for the products and services developed and provided by The Baker Group Software Solutions, Inc. For more information, contact Jeff Caughron at The Baker Group: 800-937-2257, www.GoBaker.com, or email: firstname.lastname@example.com.
IRA seminars on education schedule MBA is holding two seminars to help bankers with their IRA business. The February IRA Update Seminar will build on the bankers/ knowledge of IRA basics and address some of the more complex IRA issues financial organizations may handle. The IRA Update Seminar is scheduled for Feb. 11 in Cape Girardeau, Feb. 12 in Columbia, and Feb. 13 in Springfield. The IRA Essentials Seminar planned for April will focus on the basics of IRAs. This class is designed for bankers beginning to work with IRAs, and no IRA knowledge is
assumed. (Participants should take a hand-held calculator.) The IRA Essentials Seminar will be held April 22 in Cape Girardeau, April 23 in Columbia, and April 24 in Springfield. Each seminar will begin at 8:30 a.m., with registration opening at 8 a.m. Lunch will be served at noon, and the class will adjourn at 3:30 p.m. For more information, visit the MBA website at www.mobanker.com or call the MBA 573-636-8151.
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The Missouri Banker January 16, 2014
Missouri banks continue to support Segs4Vets ...
West Plains Bank and Trust Company competed for the second year against Howell County employees with a scooter race around the West Plains Courthouse Square to raise funds for Segs4Vets. As part of the festivities, onlookers could purchase hot dog lunches with the proceeds going to Segs4Vets. The bank's events raised more than $5,000.
First State Community Bank, Ironton, hosted a pancake breakfast as a fundraiser for Segs4Vets, in the photo below. Employees at Community First Banking Company, West Plains, display a presentation check that represents what they raised through casual days, luncheons, and the sales of the bank cookbook. The bank also offers extra time off for employees who sign up for a payroll deduction to Segs4Vets.
Scott Nelson, left, Macon-Atlanta State Bank, Macon, is a member of the Board for Segs4Vets. He took part in a recent Segs4Vets presentation at San Antonio, Texas, with Lt. Col. Bryan Forney who was injured during Exercise Cobra Gold 2013 in a helicopter crash and Col. H. C. Barney Barnum, a Medal of Honor recipient. One of the ways Scott raises money for Segs4Vets is cooking an Italian lunch for bank employees and directors.
The Missouri Banker January 16, 2014
Page 9
... with fundraisers, community events, donations
Employees at Wood and Huston Bank, Marshall, rode in a float at the community's Cornhusker Festival to promote the bank's 5K run to support Segs4Vets. Segs4Vets recipient Chris Stout also took part in the parade to help promote the run.
MBA member banks, their employees and customers helped to provide $47,995.67 for Segs4Vets, MBA's designated charity, in the 2013 fundraising campaign. Since 2009, $198,584 has been donated by MBA members. Segs4Vets provides Segway mobile transporters to soldiers who have received traumatic injuries in service to America. It is recognized as one of the country's top charities. Thank you to the following banks and individuals who were a part of the 2013 effort. • • • • • • • • • • • • • • • • • • • • • • • • • •
Bank of Advance, Advance Bank of New Cambria, New Cambria Bank of Bolivar, Bolivar Century Bank of the Ozarks, Gainesville Commercial Bank, St. Louis Community First Banking Company, West Plains and Mountain Grove F & C Bank, Holden Federal Home Loan Bank of Des Moines, Sales and Member Financial Services Departments, Des Moines, Iowa First Community National Bank, Steelville First State Bank, St. Robert, Richland and Iberia First State Community Bank, Ironton Hawthorn Bank, Jefferson City Heritage State Bank, Nevada Kenneth W. and Ann Littlefield, Jefferson City Lamar Bank and Trust Company, Lamar Legacy Bank and Trust, Rogersville Legends Bank, Linn Macon Atlanta State Bank, Macon Mark and Margaret Goodin, Bowling Green MBA Staff Missouri Bankers Association Midwest Independent Bank, Jefferson City Pony Express Community Bank, St. Joseph Regional Missouri Bank, Marceline and branches West Plains Bank and Trust Company, West Plains Wood & Huston Bank, Marshall
In photo above, the Marshall community turns out for the 5k run Wood and Huston Bank sponsored to raise funds for Segs4Vets. In photo below, Segs4Vets recipient Chris Stout is with two veterans from the Marshall area.
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The Missouri Banker January 16, 2014
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Agenda January 2014 19 - 24 School of Bank Management, Stoney Creek Inn, Columbia February 2014
Directors College co-sponsored by FDIC, Missouri Division of Finance and the MBA, Columbia
Technology Conference, Tan-Tar-A Resort, Osage Beach
IRA Update Seminar, Cape Girardeau
IRA Update Seminar, Columbia
Ag Seminar with Dr. David Kohl, Columbia
IRA Update Seminar, Springfield
Employment Law Compliance for Banks, Columbia
March 2014 3 - 7
School of Compliance, Stoney Creek Inn, Columbia
8 - 14
School of Lending, Stoney Creek Inn, Columbia
11 - 13 Graduate School of Lending, Stoney Creek Inn, Columbia 26-27
Tri-State Leadership and Human Resources Conference, DoubleTree, Overland Park, Kan.
April 2014 10
MBA Board Meeting, Jefferson City
IRA Basics Seminar, Cape Girardeau
IRA Basics Seminar, Columbia
IRA Basics Seminar, Springfield
Women Bankers Conference, Tan-Tar-A Resort, Osage Beach
MBA is a part of Regulatory Feedback Initiative (RFI) The MBA has joined with bankers associations across the country to create the Regulatory Feedback Initiative (RFI). This initiative will bring transparency and accountability to the regulatory process and will help every bank in the country prepare for their examinations and manage their regulatory risk.  The initiative consists of a brief, anonymous online survey that we are asking every bank to take immediately following each safety and soundness examination and each compliance examination. We need every bank to build the survey into their examination process. For more information, visit the Coalition of Bankers Associations web site at www.allbankers.org. To receive a link to the survey contact Mike Noblett at the MBA via email at firstname.lastname@example.com.
The Missouri Banker January 16, 2014
Page 11 Paid Advertisement
Winning the Performance Challenge For 35 years, The Baker Group has helped community financial institutions steer through unpredictable economic environments with the use of robust tools and resources for interest rate risk and investment portfolio management. Moving through 2014, we must set our focus on strategies that raise our performance and meet new challenges. Our task is to help financial institutions develop effective processes and strategies for optimal performance in any environment.
Our proven approach of total resource integration utilizing software and products developed by Baker's Software Solutions* — combined with our solid investment experience and advice — makes us the investment firm of choice for financial institutions. When facing the challenge of an uncertain environment, The Baker Group can help you win the performance challenge.
Asset/Liability Management for High Performance Evaluate Earnings and Capital at Risk Simulate Stressed Rate Scenarios Analyze Risk Management Strategies
High Performance Investment Strategies Develop Quarterly Strategies Determine Optimal Relative Value Manage Risk vs. Reward Tradeoff
Education for High Performance Tailored Board Education Webinars for ALCO Interest Rate Risk Seminars
To find out how The Baker Group can assist your institution in defining and meeting its financial objectives, call your Baker representative or Ryan Hayhurst at 800.937.2257.
Member: FINRA and SIPC www.GoBaker.com Oklahoma City, OK | Austin, TX | Birmingham, AL | Indianapolis, IN | Salt Lake City, UT | Springfield, IL | 800.937.2257 *The Baker Group LP is the sole authorized distributor for the products and services developed and provided by The Baker Group Software Solutions, Inc.
Page 12
The Missouri Banker January 16, 2014
MBAds UMB is hiring a Compliance Analyst at our downtown headquarters. This person will assist the Banking Operations Compliance Manager in the execution of an effective consumer compliance program to assure UMB Bank, n.a. maintains the required level of compliance set forth by the regulatory agencies. Participating in meetings with business units to identify gaps within current practices and regulatory requirements and then rectifying the process to ensure regulatory compliance is a large component of this role. This person will also be charged with acting as a resource to different line of business leaders. Apply online at http://careers.umb.com. CREDIT ANALYST: Peoples National Bank, a 100+ year old community bank headquartered in Mt. Vernon, IL, is seeking qualified candidates for a Credit Analyst position for the branch in Clayton, MO. Applicants should demonstrate at least five years of relevant experience and have in-depth knowledge of commercial and commercial real estate lending practices and financial
analysis. Responsibilities will include performing commercial credit analyses, concentrating on complex credits, investigate and identify credit risks, and monitoring compliance with bank policy. Applicant must have effective communication skills, organization and time management skills, and be computer proficient. Salary commensurate with experience; generous benefits package offered. To apply, please print and complete the application located on our website: http://www.peoplesnationalbank.com/index. php?page=careers EOE/AA Employer Loan Review Officer: A strong community owned bank with multiple facilities in North Central Missouri and headquarters located in a town of 3,000+. Total assets of $350 million. Seeking an experienced loan review officer. Credit analysis abilities and Agricultural lending experience required. Interested parties should respond to Loan Review Officer Missouri Bankers Association, Department A, PO Box 57, Jefferson City MO 65102.
Central Bancompany, a $10 billion holding company, is pleased to announce the following employment opportunity: Compliance Manager: Qualifications include but are not limited to: a Bachelor's degree in Business Administration or related field preferred or equivalent of five years banking experience; must be or work toward becoming a CRCM; knowledge of banking laws and regulations; strong communication and interpersonal skills including the ability to effectively interact with management and persuasiveness to solicit management and employee cooperation; ability to read, analyze and interpret complex laws and regulations; and strong personal management skills,
ABA National Conference for Community Bankers February 16–19, 2014 JW Marriott Desert Ridge | Phoenix, Arizona
Generation next: Customers, Employees, Technology
Ever wonder what the banking industry will look like five, 10, even 20 years from now? Explore the possibilities at the ABA National Conference for Community Bankers. Our sessions and speakers will offer insights and advice on the latest industry developments, legislative and regulatory actions, and products and services available to community bankers. You'll also find plenty of networking opportunities, from roundtable discussions to memorable receptions. For details and to register, visit aba.com/Community
including time management and organizational skills with an attention to detail.
bankers.com and an invoice will be mailed to you. Logo insertion charge, $12.50.
For a full description of the position or to submit an application, please visit us at www. centralbank.net.
Classified advertisements are posted on the public side of the MBA Web Site at no extra charge for the same time period as advertised in The Missouri Banker.
AAP Employer M/F/D/V Supporting a Drug Free Work Environment We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. The Bank of Grain Valley is seeking a loan officer with 3 to 5 years of local lending experience. Email resume and wage requirement to blefko@ bankofgrainvalley.com Deadline to place a classified advertisement in The Missouri Banker is five days prior to publication date. Email ads to snorfleet@mo-
Classified ad rates are as follows: • $1.00 per word for one issue • $1.50 per word for two issues • $2.00 per word for three issues
ABA sets two important meetings The American Bankers Association has two important meetings scheduled for February and March. The National Conference for Community Bankers will be held Feb. 16 to 19 in Phoenix, AZ at the JW Marriott Desert Ridge. The GR Summit will be held March 24 to 26 in Washington, D.C. This meeting affords bankers the opportunity to meet with lawmakers and regulators to educate them about banking issues and explain the vital role banks play in the nation's economy. Featured speakers for the GR Summit include: • Rep. Shelley Moore Capito (R-W.Va.), chairman of the House Financial Services Subcommittee on Financial Institutions and Consumer Credit • Charlie Cook, editor and publisher of The Cook Political Report and a recognized authority on U.S. elections and political trends • Peggy Noonan, Wall Street Journal columnist, author and former presidential speechwriter. For more information, visit the ABA website at www.aba.com
The Missouri Banker January 16, 2014
Page 13
Bankers' Resource Directory Auction Services
ATM Equipment/Service Bankers Security Safe and Vault Raytown...................... 877-358-0883
Diebold Hazelwood.................. 513-600-8346
Federal Protection, Inc. Springfield.................. 800-299-5400
FISERV Brookfield, WI............. 800-872-7882
Oppliger Banking Systems Olathe, KS................... 800-487-7875
Shazam Network Johnston, IA................ 800-537-5427
TransFund Tulsa, OK.................... 800-588-6816
W Purple Wave Auction Manhattan, KS............ 866-608-9283
West Central Auction Company Harrisonville................ 800-823-4094
Bank Compensation Consulting, Inc. Plano, TX.................... 800-781-2099
Bank Financial Services Group Equias Alliance
Cape Girardeau.......... 573-335-0187
Springfield.................. 417-865-8701
St. Louis...................... 314-983-1200
CliftonLarsonAllen St. Louis...................... 888-529-2648
Cummings, Ristau & Associates, PC St. Louis...................... 888-616-2727
KPM CPAs Springfield.................. 417-882-4300
KPMG LLP Kansas City................. 816-802-5200 St. Louis...................... 314-444-1400
McGladrey, Inc. Kansas City................. 800-274-3978 St. Louis...................... 314-241-4100
MIB Banc Services, LLC Jefferson City.............. 573-636-9555
Rolf, Perrin & Associates, P.C. Fairway, KS................. 913-671-8600
Sims & Riley LLC Overland Park, KS...... 913-649-8100
The Whitlock Company, LLP Springfield.................. 417-881-0145
Williams-Keepers LLC Columbia.................... 573-442-6171
Architects/Builders/Designers Copeland Development and Construction Company, Inc. Chillicothe................... 660-707-1412
Federal Construction, Inc. Springfield.................. 800-299-5400
W Deluxe Financial Services, Inc. St. Louis........................800-DELUXE ..................................(800-335-8931)
Check Recovery W Re$ubmitIt, LLC Louisville, KY............... 866-860-5306
Chesterfield................. 636-449-4900
Central States Capital Markets Prairie Village, KS....... 800-851-6459
Edward Jones Prairie Village, KS....... 913-262-4662
FTN Financial Overland Park, KS...... 800-307-5421 Memphis, TN.............. 800-307-5421
First Bankers' Banc Securities, Inc. Overland Park, KS...... 866-530-2846 St. Louis...................... 888-726-2880
First Empire Securities Hauppauge, NY.......... 631-979-0097
NFP Executive Benefits Minneapolis, MN......... 612-940-2843
Raymond James Memphis, TN.............. 800-564-2249
Securities America Lavista, NE.................. 402-399-9111
Stifel St. Louis...................... 800-679-5446
The Baker Group Oklahoma City, OK..... 405-415-7200
UMB Bank, N.A. Kansas City................. 866-651-9262
Vining Sparks Little Rock, AR............ 800-733-6938
Cash Management Services FIS Birmingham, AL.......... 888-323-0310 Milwaukee, WI............. 800-822-6758
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 Chicago, IL................. 312-732-7981
MIB - Midwest Independent Bank Spectrio Oldsmar, FL................ 800-584-4653
W TextCaster Kansas City................. 816-746-6835
Computer Software & Hardware Acropolis Investment Management
BMO Harris Bank
JP Morgan Chase & Company
Prior Lake, MN............ 952-435-7747
Executive Benefits Network
Correspondent Banking St. Louis...................... 314-543-3300
Edina, MN................... 800-931-7782
Brown Smith Wallace LLC
Information Solutions
BOLI Executive Compensation
St. Louis...................... 314-231-5544
Check Printing
Banker's Toolbox Austin, TX.................... 888-201-2231
CSI (Computer Services, Inc.) .................................... 800-545-4274
Harland Financial Solutions Lake Mary, FL............. 800-989-9009
Jack Henry Banking Monett.......................... 417-2356652
LightEdge Solution
Jefferson City.............. 800-347-4642
Pacific Coast Bankers' Bank San Francisco, CA...... 415-399-1900
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 .................................... 800-742-7462
Wells Fargo & Company St. Louis...................... 314-955-6851
Des Moines, IA............ 515-471-1256
SynTel, LLC Jonesboro, AR............ 800-898-2540
Verafin, Inc. St. John's, NL, Canada ... 866-781-8433
Consulting & Training Services CBCS Community Bank Consulting Services, Inc. St. Louis...................... 314-863-1954
CrossFirst Advisors, LLC Overland Park, KS...... 913-754-9700
DD&F Consulting Group Little Rock, AR............ 501-374-2600
Dittrich & Associates Joplin.......................... 417-208-2100
Data Processing United Financial Services St. Charles.................. 262-376-3000
Debit and Credit Cards Security BankCard Center, Inc. Norman, OK................ 405-826-5617
Vantiv Cincinnati, OH............ 513-900-4613
Deposit Acquisition/Retention W Promontory Interfinancial Network Overland Park, KS . . . 866-776-6426
Environmental Data
John M. Floyd & Associates Baytown, TX................ 800-809-2307
Pentegra Retirement Services West Plains, NY.......... 800-872-3473
W Strunk and Associates, L.P. Kansas City, MO......... 800-728-3116
Superior Consulting Springfield.................. 417-887-2124
Terry Compliance Consulting St. Louis...................... 314-540-3122
Trileaf Environmental St. Louis...................... 314-997-6111
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The Missouri Banker January 16, 2014
Bankers' Resource Directory Financial Education Services W EverFi, Inc. Washington, D.C......... 319-290-9804
The Plateau Group Crossville, TN.............. 800-752-8328
W The Travelers Companies, Inc. Call MBA Insurance Group at 800-234-4939
Truman Wilson & Associates BancAlliance Chevy Chase, MD....... 301-232-5400
Federal Home Loan Bank of Des Moines Des Moines, IA. . . . . . 800-544-3452
Government Agencies Missouri Agricultural and Small Business Development Authority Jefferson City.............. 573-751-2129
Missouri Development Finance Board Jefferson City.............. 573-751-8479
IRA & Qualified Plan Services
Lawrence, KS. . . . . . . 816-387-1595
Winter-Dent & Company Jefferson City.............. 573-634-2122
Investment Banking Raymond James
IT Security Services Guardian Analytics Mountain View, CA..... 650-383-9200
Insurance/Bonding W ABA Insurance Services, Inc. Call MBA Insurance Group at 800-234-4939
Agents National Title Columbia.................... 866-483-2763
AmTrust Call MBA Insurance Group at 800-234-4939
Doniphan.................... 617-748-5532
Sandler O'Neill & Partners, L.P. NY, NY. . . . . . . . . . . . . 800-635-6851
The Capital Corporation, LLC Lenexa, KS. . . . . . . . . 913-498-8188
UMB Bank, N.A. Kansas City................. 866-651-9262
Law Firms Armstrong Teasdale LLP Kansas City. . . . . . . . . 816-221-3420 St. Louis. . . . . . . . . . . 800-243-5070
Berson Law Group Leawood, KS.............. 913-397-2701
Bryan Cave, LLP Kansas City. . . . . . . . . 816-391-7649 St. Louis. . . . . . . . . . . 314-259-2000
Carnahan, Evans, Cantwell & Brown, P.C. Springfield.................. 417-447-4400
Greensfelder, Hemker & Gale, P.C. St. Louis...................... 314-241-9090
Hunton & Williams, LLP Dallas, TX.................... 214-979-3000
Husch Blackwell St. Louis. . . . . . . . . . . 314-480-1500
Kansas City. . . . . . . . . 816-983-8000
Minneapolis, MN. . . . . 800-328-4545
Kansas Bankers Surety Company Topeka, KS.................. 785-228-0000
Lee & Mason Financial Columbia.................... 888-685-8442
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
St. Louis. . . . . . . . . . . 314-655-7001
Spencer Fane Britt & Browne LLP Kansas City. . . . . . . . . 800-526-6529 St. Louis. . . . . . . . . . . 800-862-6869
Stinson Leonard Street Kansas City. . . . . . . . . 816-842-8600
Kramer & Frank, P.C. St. Louis...................... 800-288-5437
Lathrop & Gage LLC Kansas City................. 816-292-2000
Lewis, Rice & Fingersh, L.C. St. Louis. . . . . . . . . . . 314-444-7600
Martin, Leigh, Laws & Fritzlen, P.C. Kansas City................. 816-221-1430
Martin Pringle Overland Park, KS...... 913-491-3341
Millsap & Singer, LLC St. Louis...................... 636-537-0110
Polsinelli St. Louis. . . . . . . . . . . 314-889-8000 Kansas City. . . . . . . . . 816-753-1000 Springfield.................. 417-869-3353
MBA Bankers Service Corporation's Title Service Jefferson City. . . . . . . 573-636-8151
Missouri Corn Growers Association Jefferson City.............. 573-893-4181
Tipton Systems St. Louis...................... 800-899-2997
St. Louis. . . . . . . . . . . 314-863-0800
Thompson Coburn LLP St. Louis. . . . . . . . . . . 314-552-6000
Ross, Sinclair and Associates
Call MBA Insurance Group at
W J.T. Miller Company, Inc.
Overland Park, KS . . . 913-663-7718
Memphis, TN.............. 800-564-2249
W Ascensus Brainerd, MN. . . . . . . 800-346-3860
South & Associates, P.C.
Digital Intersection St. Louis...................... 800-221-0855
W Gremln.com St. Louis...................... 314-915-8738
Payment Technologies Clearent, LLC Clayton........................ 888-366-6390
FIS Jacksonville, FL.......... 888-323-3010
Jack Henry Banking Monett......................... 417-235-6652
Tipton Systems St. Louis...................... 800-899-2997
Harland Clarke San Antonio, TX.......... 800-382-0818 Farmington................. 800-382-0818
W MPI Coin Grafton, WI. . . . . . . . . 800-459-9487
W Textcaster Kansas City. . . . . . . . . 816-746-6835
Wheatland Advisors Belton.......................... 816-318-8884
Modular Banking Facilities MPA Systems, Inc. Sanger, TX . . . . . . . . . 888-233-1584
Mortgage Lending Banc Mac Pawnee, IL . . . . . . . . . 888-821-7729
Missouri Housing Development Commission Kansas City................. 816-759-6600 St. Louis...................... 314-877-1350
Mortgage Services III, LLC Subsidiary of First State Bank Bloomington, IL.......... 815-935-2300
Office Supplies & Solutions W Office Depot St. Charles.................. 636-358-9093 Overland Park, KS...... 913-358-0856
Other Financial Products & Services Affordable Equity Partners, Inc. Columbia.................... 573-443-2021
W Community Bank Services/ REOdeedwagon.com Raleigh, NC................ 800-662-7044
Jack Henry Banking Monett......................... 417-235-6652
Rating Services Standard and Poor's Rating Services New York, NY.............. 212-438-2028
Resorts and Hotels Tan-Tar-A Resort, Golf Club, Marina & Indoor Water Park Osage Beach. . . . . . . 800-826-8272
Shredding Services W Cintas Hazelwood. . . . . . . . . 800-795-7368
Technology Consulting BankOnIT Oklahoma City, OK..... 800-498-8877
CalTech San Angelo, TX........... 325-223-6100
Training Services UMB Bank, N.A. Kansas City................. 866-651-9262
Travel Services ACENDAS Mission, KS. . . . . . . . . 913-671-7700 . . . . . . . . . . . . . . . . . 800-544-3019
Trust Services Citadel Trust Advisors St. Louis...................... 800-332-2963
Key MBA Associate Members and Members W Endorsed Vendors
The Missouri Banker January 16, 2014
Page 15
Bill Progress Report 01-14-2014 SUPPORT ca = committee amendment, cs=committee substitute, a = floor amendment. s = signed by the Governor
HB 1043 (1) Relating to SBA tax credits
12/ 2
HB 1218 (1) Relating to Condo liens
1/ 7
Relating to Taxes/ business income
1/ 8
Relating to Patent infringement claims – Patent Trolls
Cunningham 1/13
Comm Report
Comm Report
Signed Fil/Vet
Signed Fil/Vet
Signed Fil/Vet
ca = committee amendment, cs=committee substitute, a = floor amendment. s = signed by the Governor
Bill SB 648 (1)
Relating to real estate appraisers commission
Comm Report
Comm Report
WATCH ca = committee amendment, cs=committee substitute, a = floor amendment. s = signed by the Governor
HB 1118 (1) Relating to scrap metal operators
12/ 4
Relating to income tax
12/ 1
Relating to personal income tax
12/ 1
Relating to income taxes
12/ 1
Relating to scrap metal operators
12/ 3
Relating to scrap metal operators
12/ 3
Relating to title insurance
Comm Report
Comm Report
Titling Tips Title on Death assures vehicles don't go through probate By Linda Petersen Manager MBA Title Service Before we get to this month's topic I have a short announcement. Effective Jan. 1, 2014, I will not be in the office on most Fridays. Joyce Vaught, will be here to help you as always when I am not. This is my first "baby step" toward eventual retirement. I promise you the MBA Title Service will continue as always to offer the very best service to the banks of Missouri. TOD beneficiaries A TOD (Title on Death) beneficiary can be placed on a Missouri title to assure that when someone dies that vehicle does not have to go through the Probate Court. A TOD has no ownership rights until the owner is
actually deceased. A TOD can be placed on any title except one held in a business name. It is particularly advised for vehicles owned by only one person. Multiple individuals may be listed as TOD on a title. A trust can also be a TOD beneficiary. A TOD cannot be overridden by a Court Order. A TOD beneficiary named on a Missouri title may title the vehicle in their name or sell the vehicle upon the death of the owner without obtaining a Probate Court Order. A TOD beneficiary desiring to title the vehicle in their name(s) will need: - A Missouri Title Application (DOR 108) completed and signed by the TOD beneficiary. - Proof of death. This may take the form of a photocopy of the death certificate, the newspaper obituary
or the memorial program from a church or funeral home. - The original title needs to be submitted. It can be assigned to the beneficiary and the proof of death will serve as the "signature" of the deceased. - If the deceased's title is lost, the beneficiary can obtain a duplicate title for the vehicle in their name by submitting a notarized affidavit indicating the original title is lost. This must be done before they can sell the vehicle. - Any unreleased lien will be carried over to the new title. - Proper title fees need to be paid. No taxes are due nor do title penalties apply. The TOD beneficiary may retain the deceased's regular stock license plate. If the deceased had
a personalized or special plate the beneficiary must purchase new plates. The TOD who sells the vehicle without obtaining title will: - Assign the deceased's title to the purchaser. The TOD will sign and print as the seller by signing their name(s), TOD. - Provide the purchaser with proof of death as noted above. - If there is a lien on the vehicle the TOD will need to provide the purchaser with a Notarized lien release from the lender. - They will need to fill out the Notice of Sale and submit it to the Missouri Department of Revenue. - The deceased's license plates must be removed from the vehicle and may not be placed on another vehicle.
Page 16
The Missouri Banker January 16, 2014
February 11 & 12, 2014 Tan-Tar-A Resort Osage Beach, Missouri
2014 Technology Conference Visit the MBA's website at www.mobankers.com for a conference brochure or to register online or call MBA at 573-636-8151.
Vendor Management Program - An Enterprise-Wide Focus Susan Orr Susan Orr Consulting, LTD.
Banc Statements, Inc. Bankers Security Inc. DD&F Consulting Elliott Data System Federal Reserve Financial Services Form Zapper MIB Ncontracts PrintMail Systems, Inc. Superior Consulting, LLC Supernal Software TransFund Verafin Wheatland Advisors
Game Changers: New Technologies that are Raising the Bar for Banks Jack Vonder Heide Technology Briefing Centers IT Exams, How to Satisfy Examiners Chris Grisemer The Whitlock Company Cyber Security Landscape Joe Brennan
Federal Reserve Bank of St. Louis New Technology Approaches to Bank Operations Robert Bessel COCC New Technology Tools to Increase Marketing ROI Jack Vonder Heide Technology Briefing Centers
When Word-of-Mouth Means Counting Tweets: How to Become an iBank Jackson Hataway, Ph.D. Strategic Arts & Sciences From the Future Backwards: Knowing Next Now Lee Wetherington, AAP ProfitStars
REGISTRATION FORM - MBA Technology Conference February 11 & 12, 2014 Please PRINT or TYPE appropriate section(s) below. You may photocopy this form for additional registrants. Please enter the information below EXACTLY as you wish it to appear on your name badge and registration list.
Organization Information Bank/Firm _________________________________________________________
PAYMENT BY CREDIT CARD _____________________________ Member Fee.........................$360
# ______ $ __________
Non-Member Fee ................$720
# ______ $ __________
Total amount due Credit Card Payment* (Please type.)
*Only VISA and MasterCard are accepted.
Address ___________________________________________________________ City/State/Zip ______________________________________________________
Exp. Date ____________ No. ________________________________________
Type Name _______________________________________________________
Signature ________________________________________________________
Name of Attendee Name _____________________________________________________________________ Title ______________________________________________________________________ E-Mail ____________________________________________________________________ Spouse* ___________________________________________________________________
*Spouse must be registered to attend conference events.
You may photocopy this form for additional registrants.
PAYMENT WITH CHECK OR INVOICE _____________________ Member Fee.........................$350
# ______ $ __________
Non-Member Fee ................$700
# ______ $ __________
Total amount due
Check enclosed, payable to MBA. Invoice the bank.
3 WAYS TO REGISTER ___________________________________ By Phone - Call 573-636-8151 Online - www.mobankers.com
By FAX - 573-634-2754.


text:
Kevin Shrader
This chart represents the points earned for each of the 5 events Kevin has participated in over the past 24 months.
602.882past 24 months average (5 events)
602.882past 12 months average (5 events)
Kevin is averaging 602.882 points per event over the past 24 months and 602.882 points per event over the past 12 months, for a generally unchanged trend.
Trends: Our trend feature compares an angler's average points from the prior 24 months to the average points from the prior 12 months to establish whether the angler's recent performance exceeds or falls behind that of a longer span. If the recent average is within 2.5% of the average for the longer period, we consider the angler's performance to be steady, as indicated by an almost equals to sign.


text:
Justin Theroux's cookery skills
Jennifer Aniston doesn't know if she should thank or hate Justin Theroux for bringing pasta back into her life.
The 'We're The Millers' star has revealed she has a "new favourite go-to-town food" because of her husband's cookery skills and his "irresistible" carbonara.
She said: "Pasta has taken over as my new favourite go-to-town food. Yes, he has brought the pasta back into my life. I don't know whether I should thank him or hate him for that.
"I do thank him [because it is] irresistible ... I've learned how to make it and it's not that bad for you! It's just an egg, parmesan cheese, and a little pasta water. And we substitute turkey bacon for real bacon, so, you know."
Meanwhile, the 47-year-old actress also revealed her husband has been offering her tips on how to add more protein in her diet.
She added to ELLE magazine: "When I wake up, I have warm lemon water and then I have a shake or avocado and eggs, which is one of my favourites. I sprinkle a little coconut oil on that. Sometimes, I'll have a puffed millet cereal with a banana or I'll do oatmeal with an egg white whipped in at the end.
"Justin, my husband, taught me that little move to get extra protein! Right before [the oatmeal] is finished cooking, you just whip in an egg white and it kind of gives it this fluffy texture that's delicious."


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Lenzman has established himself as one of the most exciting new producers in Drum and Bass. Having gained momentum with his deep and soulful beats, it was the release of the highly anticipated 'Open Page' that truly set him aside from the pack. Having risen through the ranks over the last few years with breakthrough releases such as 'Emeralds', his 'Soul Patrol' remix and 'Fade Away', Lenzman continues to release his soul-immersed Drum and Bass on some of the top labels in the industry.
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