Maryland Banker 1Q 2012

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MARYLAND’S STORY NO STRANGERS TO HELPING CLIENTS, COMMUNITIES XXXX ON PAGE 4 THE OFFICIAL PUBLICATION OF THE MARYLAND BANKERS ASSOCIATION

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FIRST QUARTER 2012

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TELLING

OUR XXXX ON PAGE 4

STORY

THE OFFICIAL PUBLICATION OF THE MARYLAND BANKERS ASSOCIATION

186 Duke of Gloucester St. Annapolis, MD 21401 410-269-5977 / 800-327-5977 www.mdbankers.com

Chairman Mary Ann Scully Chairman, President & CEO Howard Bank

Chairman-Elect Michael L. Middleton Chairman & CEO Community Bank of Tri-County

Vice Chairman Robert A. DeAlmeida President & CEO Hamilton Federal Bank

Publication Editor Cynthia L. Gentilcore

Maryland Bankers Association

Board of Directors George J. Behr, Jr. President Arundel Federal Savings Bank

Tom N. Rasmussen President & CEO New Windsor State Bank

Andrew M. Bertamini Regional President, Maryland Market Wells Fargo Bank, N.A.

Carissa L. Rodeheaver, CPA, CFP Executive Vice President & CFO First United Bank & Trust

Ralph W. Emerson, Jr. Senior Vice President M&T Bank

John A. Scaldara, Jr. Chairman, President & CEO The Columbia Bank

Raymond W. Hamm, Jr. Market Executive PNC Bank, N.A.

Daniel J. Schrider President & CEO Sandy Spring Bank

Michael E. Hough President - Maryland Division Susquehanna Bank

Raymond M. Thompson President & CEO Calvin B. Taylor Banking Company

Michael G. Livingston President & CEO The Bank of Glen Burnie

William J. Toomey, II Regional President – Baltimore Metro Region BB&T

PUBLISHED BY

280 Summer Street, Boston, MA 02210 Phone: 617-428-5100

Fax: 617-428-5118 www.thewarrengroup.com

cover Proud to be a Banker Maryland’s Story No Strangers to Helping Clients, Communities

President & CEO Kathleen M. Murphy Maryland Bankers Association

Denise L. Pope Market Executive for Mid-Atlantic Market Capital One, N.A

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Past Chairman J. Scott Wilfong Chairman, President & CEO SunTrust Bank, Greater Washington/Maryland

Philip E. Logan President, Chairman and CEO Slavie Federal Savings Bank

Contents

Kelly Whitley Vice President of Public Policy and State Government Relations-Mid-Atlantic Bank of America

DIRECTORS Timothy M. Warren, Chairman Timothy M. Warren Jr., CEO & Publisher David B. Lovins, President Vincent M. Valvo, Group Publisher

& Editor in Chief FINANCE & ADMINISTRATION Jeffrey E. Lewis, Controller / Director of Operations EDITORIAL Christina P. O’Neill, Custom Publications Editor Cassidy Norton Murphy, Associate Editor ADVERTISING George Chateauneuf, Publishing Division

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©2011 The Warren Group Inc. All rights reserved. The Warren Group is a trademark of The Warren Group Inc. No part of this publication may be reproduced in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without written permission from the publisher. Advertising, editorial and production inquiries should be directed to: The Warren Group, 280 Summer Street, Boston, MA 02210. Call 800-356-8805.

message from the chairman Rebranding the Banking Industry through Financial Education and Public Relations 5 maryland bank services featured partner A Third-Party Resource Can Produce First Rate Results 6 Doing Well by Doing Good 11 message from the president A Hefty Agenda Faces Our Industry in 2012

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2011 MBA Financial Education Awards

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economic update Finally, Some Good News

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MBA Focus Groups

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Next Leaders in Banking Honors 16 Maryland Bankers

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BankNext 2011 – A Day of Education, Recognition and Networking 33

departments: news and notes 13 Professional Development Calendar 34

22 First Quarter 2012 | 3

Maryland Bank Services, Inc.

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For more information on Maryland Bank Services Preferred Providers, call Joanna Weinreich at 443-837-1608.

Message from the Chairman MARY ANN SCULLY | MBA CHAIRMAN

CHAIRMAN, PRESIDENT & CEO

HOWARD BANK

Rebranding the Banking Industry through Financial Education and Public Relations Teach Children to Save Day The MBA proudly joins in the

National Teach Children to Save Day held annually in April. This unique event is where Maryland bankers trade their spreadsheets for chalkboards to teach the ABCs of financial education to elementary school students, including important financial education skills such as distinguishing between wants and needs and the benefits of building good savings habits at an early age.

Get Smart About Credit Day Every October, Maryland

bankers participate in National Get Smart About Credit Day to educate high school students about good money management skills. Students learn how using credit wisely can open doors while abusing credit can shut them. Learning about budgeting, credit reports and interest rates help these students make wise financial choices now and in their adult years.

Habitat for Humanity Maryland Formalizing the work

of many banks across the state, the MBA has partnered with Habitat for Humanity Maryland, the state support organization for local Maryland Habitat for Humanity affiliates. In this partnership, the MBA and Habitat for Humanity Maryland work together to provide financial education for

continued on page 12

A

s chairman of the Maryland Bankers Association, I have made the rebranding of the banking industry in our state one of my primary goals.

Bankers have historically lower approval ratings than we would like, and the general public’s distrust and dislike of faceless corporations, including banks, are at an all-time high.

There are several reasons why people think so poorly of banks right now, among them the fallout from the crisis of 20082009 and the messages in the media that continue to present all financial institutions in the same bad light. But it’s more than that. Too many people in the general public and in many small businesses don’t understand what caused the financial crisis, and don’t understand the differences between the traditional banks – large and small – and other financial institutions and intermediaries like brokers, finance companies, money market funds, etc.

Unfortunately, there is a tendency within the banking industry – and within any industry when times are very tough – to withdraw, to respond only to direct attacks, rebutting point-by-point the accusations made by those outside the industry. This kind of reaction does nothing to improve the image of banks in the eyes of the public. That defensive tactic is no longer sufficient; we must take a proactive approach to spreading the word that banks are not the bad guys by showing all the things that we do that are good: the

funds donated, boards led, school children educated, hands held in counseling sessions.

The MBA and our member banks have always done a wonderful job of making people aware – on a case-by-case basis – of all the good that banks do for their customers and their communities.

Bank public relations staff work hard to get out the good word about events, fundraisers, donations, etc. But if we are to win the hearts and minds of the American public, we need to increase the frequency of these messages and to leverage them by sending them in a combined fashion through our association. When the MBA asks you for the data to populate our files on community outreach, you are not just helping us, you are helping yourself. When we ask you to help educate your local legislator about the harm in a particular piece of legislation, you help yourself. This is the sort of leverage that only bankers can understand. To that end, the MBA has put the positive impact of banking front and center in our public relations activities.

Another area of public ignorance is the even broader learning deficit around financial education. Many consumers lost their homes and business owners lost their businesses because they did not understand the basic math of how and when to finance. Therefore, in a less PRintensive, but no less meaningful approach, the MBA continues to promote financial education campaigns, including embracing continued on page 12

First Quarter 2012 | 5

Maryland Bank Services Featured Partner

BY TIM OLESKY | DIVISION VICE PRESIDENT, TEKCOLLECT, INC.

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A Third-Party Resource Can Produce First Rate Results

istorically, financial institutions have been hesitant to outsource any aspects of accounts receivable or collections. There’s a perceived loss of control. The fear of alienating consumers. And the risk that the third party simply won’t produce results. So what do these institutions do instead?

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Third-party resources have the measures in place to swiftly and costeffectively reach consumers early in the delinquency cycle when results are greater. That reduces overall delinquencies and charge offs, and ends the vicious cycle. And it allows financial institutions to focus staff on other, equally important operational priorities.

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A financial institution may struggle to have the associates in place to respond to the ever-changing volume of delinquent accounts. But a third party is prepared for those fluctuations and staffed accordingly. And that staff consists of account specialists, trained in contacting consumers with diplomacy and respect.

In fact, a reputable third party will work with the financial institution to develop approved scripts to ensure consistency and non-alienation, while generating results.

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James E. Plack President & CEO American Bank, Bethesda, MD

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A third party can connect with consumers during key day parts and time zones outside of normal office hours, when consumers are most likely to be home. Today, it’s not simply a matter of placing calls. A live connection makes all the difference. A reputable third party will also include a letter series to exercise every outlet available. The goal is to continued on page 12

6 | The Maryland Banker

Message from the President KATHLEEN M. MURPHY | PRESIDENT & CEO

MARYLAND BANKERS ASSOCIATION

I

A Hefty Agenda Faces Our Industry in 2012

n recent focus groups and conversations with our members, you have resoundingly emphasized that representing the industry’s interests in all branches of Maryland government is the most important role of the Maryland Bankers Association. We take this feedback to heart as we enter the 2012 Session of the Maryland General Assembly.

Beginning Jan. 11, 2012, the second year of the legislators’ four-year term begins and is expected to be an active one. Since legislators are not facing the immediate pressures of re-elections, they frequently use this time to introduce a variety of legislative initiatives. The economy, the state budget, transportation funding and jobs remain hot topics we expect to be addressed this session. Along those lines, Gov. Martin O’Malley, Senate President Thomas V. Mike Miller, Jr., and House Speaker Michael E. Busch have discussed a job creation plan that will focus on transportation infrastructure and construction projects. Hearings were held during the October 2011 Special Session on those issues. O’Malley has also voiced an interest in working to reduce regulatory burdens that hinder businesses.

In addition, we anticipate an array of bills which will require our focus, potentially including legislation impacting Maryland’s foreclosure process and the related paperwork; short sales; amount of time required to record a deed after a foreclosure sale; abandoned and/or vacant property registries; sales tax on additional services; combined reporting; requiring financial education for high school graduation; and more.

In addition to addressing issues introduced by others, we will have a very hefty agenda for the banking industry in 2012.

At the request of our member banks, the MBA will work to initiate at least three bills during the 2012 session, including: Interest Rate on Mortgage Escrow and Christmas Club Accounts – Supporting legislation to tie Maryland’s mandatory interest rate for escrow accounts and Christmas club accounts to an index that more accurately reflects market rates versus the flat three percent rate that is currently required by Maryland law.

Manufactured Housing Legislation – At the request of our member banks, the MBA is working on legislation to establish a clear cut statutory process for conveying manufactured housing in Maryland. This legislation will help address concerns raised by Fannie Mae, which will not accept a loan on a manufactured home that is not legally classified as real property under applicable state law.

Maryland Trust Code Legislation – The Maryland Bar Association’s Estates and Trust Section Council (E&T Section) and the Maryland Bankers Association’s Trust Committee of the Government Relations Council worked collaboratively over the past few years on a draft bill, which was introduced in 2011 and sent to “summer study.” The legislation is comprehensive, 100 pages long, and represents a recodification of existing Maryland Trust Code, moves trust code case law to statutory law, and includes new provisions that make it more efficient for corporate trustees to operate in

Maryland. We will work to have this bill re-introduced, with possible modifications to address specific concerns raised in the interim from the trial lawyers.

How you can help

As we look forward to the upcoming year and Session, please be on the lookout for the MBA’s weekly electronic communications – weekly Legislative Bulletin (published during Maryland’s 90day session (January – April)) and Maryland Weekly (published year-round) that contain useful information regarding pending legislative and regulatory issues. The MBA also sends our membership grassroots Calls to Action during critical times, urging you to contact your legislators on specific issues. Please stay tuned for these alerts. There is nothing more effective than a personal letter from a local banker in that legislator’s district whose bank, customers, and/or ability to do business is being affected by a public policy issue.

It is a hefty agenda, and one that will be taken up by members of the MBA’s Government Relations Council, chaired this year by MBA Vice Chairman Bob DeAlmeida, president and CEO of Hamilton Federal Bank, and your public policy team. We will be our industry’s steadfast advocates once again in 2012. Let us know if you have any thoughts as we progress through the Session.

■

What’s On Your Mind?

It’s my honor to serve this great industry. Please contact me at any time to discuss industry issues of importance to you at kmurphy@mdbankers.com or 443-837-1601.

First Quarter 2012 | 7

2011 MBA Financial Education Awards

M Left to right: Mary Ann Scully, MBA chairman and chairman president and CEO, Howard Bank; Kathleen Murphy, president and CEO, Maryland Bankers Association; Lisa Monthley, senior vice president, chief deposit officer, New Windsor State Bank; and John Scaldara, MBA Financial Education Council chairman and chairman, president and CEO, The Columbia Bank. New Windsor State Bank was the first-place winner in two categories: School-Age Children (Assets <$1B) and Young Adults.

Jay O’Brien, executive vice president, commercial and retail banking and president, Northern Virginia market.

Sandy Spring Bank was the first-place winner in the category of SchoolAge Children (Assets >$1B).

Lee Chisholm, assistant branch manager, Calvin B. Taylor Banking Company. Calvin B. Taylor Banking Company was the second-place winner in the category of SchoolAge Children (Assets <$1B).

BA’s Financial Education Awards recognize member institutions who are actively engaged in financial education outreach across Maryland. The following member banks participated in the MBA’s eighth annual awards program this year, submitting a total of 31 entries, and should be commended for the work they do all year to improve the financial education skills in their communities: Baltimore County Savings Bank Calvin B. Taylor Banking Company Capital Bank Capital One, N.A. Chesapeake Bank of Maryland Community Bank of Tri-County Farmers & Merchants Bank Fraternity Federal Savings and Loan Association Hamilton Federal Bank Howard Bank M&T Bank New Windsor State Bank PNC Bank, N.A. Sandy Spring Bank Slavie Federal Savings Bank

Left to right: Jeff McCarron, group vice president of The Columbia Bank, and Frank McNeil, community consultant, Greater Maryland Community Development Banking of PNC Bank, N.A. The Columbia Bank and PNC Bank, N.A., tied for first place in the category of Adults and Seniors. The Columbia Bank also won second place in two categories, SchoolAge Children (Assets >$1B) and Young Adults.

8 | The Maryland Banker

Left to right: Mary Ann Scully, MBA chairman and chairman, president and CEO, Howard Bank; Kathleen Murphy, president and CEO, Maryland Bankers Association; Brenda Keefer, executive assistant, Susquehanna Bank. Susquehanna Bank was the secondplace winner in the category of Adults and Seniors.

SunTrust Bank Susquehanna Bank The Columbia Bank The Talbot Bank of Easton, Maryland Wachovia, A Wells Fargo Company (now Wells Fargo Bank)

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These 20 member banks were each presented with a certificate of excellence for their outstanding contributions at a separate Next Leaders in Banking Awards Gala on Oct. 6 at the MBA’s inaugural event, BankNext, held at the Renaissance Harborplace Hotel in Baltimore. The 2011 award-winning entries were also announced:

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First Place – New Windsor State Bank Second Place – Calvin B. Taylor Banking Company

School-Age Children (Assets >$1B)

First Place – Sandy Spring Bank Second Place – The Columbia Bank

Young Adults

First Place – New Windsor State Bank Second Place – The Columbia Bank

Adults & Seniors

First Place – PNC Bank, N.A. and The Columbia Bank * Second Place – Susquehanna Bank *(A tie for the first time in this category) Congratulations not only to our winners, but to all of this year’s participants that do such important work!

■

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First Quarter 2012 | 9

Economic Update ANIRBAN BASU, MA, MPP, JD

| CHAIRMAN & CEO, SAGE POLICY GROUP CHIEF ECONOMIC ADVISOR, MARYLAND BANKERS ASSOCIATION

Finally, Some Good News

C

oming into the year, the economy was flush with momentum. True, the economy never burst forward after the recession ended in June of 2009 and the second half of 2010 was softer than the first half, but there was enough momentum to suggest that the U.S. economy could manage roughly 3 percent growth in 2011. Between the middle of 2009 and 2010, the U.S. economy actually did better than that. Moreover, financial markets rallied for the final quarter of 2010, suggesting that 2011 could be a year of sustained progress.

Unfortunately, pre-existing momentum was almost immediately upended in 2011, as rising input prices, a slumping housing market and the earthquake in Japan tripped up the global growth story. The U.S. economy expanded at a less than 1 percent pace during the first half of the year, in part because of the chilling effect of the specter of U.S. debt downgrade, which eventually occurred in August.

Remarkably, despite a sea of bad news, the Dow Jones Industrial Average and NASDAQ were in positive territory during the year’s first half. But these gains were more than offset by a horrid third quarter and for a time it appeared that the U.S. economy was destined for another recession. The Dow Jones Industrial Average, S&P 500 and NASDAQ each lost more than 12 percent during the third quarter, battering an already beleaguered U.S. economy.

But financial markets began to surge in October and the consumer continued to spend at lofty levels despite extraordinarily weak income growth. The Bureau of Economic Analysis reported in its initial estimate that the economy expanded at a 2.5 percent annualized rate during the 10 | The Maryland Banker

third quarter.

Nonresidential fixed investment jumped 16.3 percent on an annualized basis during the third quarter of 2011 following a revised 9.2 percent increase during the previous quarter.

Nonresidential fixed investment in structures increased for the second straight quarter this year, up 13.3 percent following a 22.6 percent increase in the second quarter. Fixed investment in equipment and software expanded 17.4 percent last quarter following a 6.2 percent increase in the second quarter.

Exports grew 4 percent in the third quarter as exports of goods were up 4.7 percent and exports of services increased by 2.4 percent. All of this is consistent with the notion that many U.S. businesses have concluded that it is “time to get on with it.” The ongoing expansion of the global economy helps. The International Monetary Fund expects the world’s economy to expand 4 percent this year and grow similarly next year.

But the 2012 outlook remains unusually blurry, including for the developed world. Despite recent progress in Europe regarding sovereign debt, investors and others will continue to be vulnerable to headline risk, including risk related to Italian and Spanish debt. The situation in the U.S. is also somewhat precarious from a public policy perspective, including at state and local levels where many governments continue to wrestle with a host of fiscal challenges.

Maryland Underperforms in 2011

This was supposed to be a decent year for job growth in Maryland. With the nation’s economy now in recovery and

adding jobs, positive base realignment effects, cyber-security, healthcare, higher education, the Port of Baltimore, BWI, retail and other industry drivers, expectations were probably higher coming into the year than at any point since 2007.

But the state’s job engine has generally sputtered. According to the most recent data available from the Bureau of Labor Statistics, Maryland’s economy added 12,300 jobs for the one year ended September 2011, which represents a rate of job growth of roughly one-half the national level and ranks the state 39th.

The lack of meaningful job growth has not only been disappointing, it has impacted the pace of housing market recovery. In September, unit sales were down 3.9 percent in Maryland on a year-over-year basis, with only eight jurisdictions experiencing sales increases.

This occurred despite the presence of record or near-record low mortgage rates.

The recovery of commercial real estate has also been impacted by relatively slow job growth. For instance, according to the MacKenzie Market Report, net office market absorption in the Baltimore region totaled just 115,177 square feet (sf) during the third quarter of 2011. Net absorption in Center City Baltimore was negative (-77,300 sf). This was also true of Columbia (-61,700 sf), Baltimore County West (-48,400 sf) and Towson (-32,900 sf). Harford County led all sub-markets in quarterly absorption (109,100 sf). One presumes that at least a meaningful proportion of this absorption relates to base realignment. Year-to-date through the third quarter, total market net absorption in the Baltimore areas stood at -172,134 sf. continued on page 12

Maryland Bank Services Featured Partner

T

Maryland Bank Services Doing Well by Doing Good

he Eighth Annual Senior Housing Crime Prevention Foundation Bankers Conference, held Oct. 6-7 in New York City, was a tremendous success. The enthusiasm for the Foundation and the Senior Crimestoppers program among the conference participants was extraordinary.

In the last decade, the foundation has positively affected the lives of 4.1 million seniors, collectively reducing crime in partnered senior facilities by 92.95 percent.

We are proud that our MBA members are helping in this effort! Maryland nursing home facilities participating in the Senior Crimestoppers program experienced a collective 92.05 percent reduction in total crime incidents as of Sept. 30, 2011. We take great pride in knowing that our bankers are playing a key role in transforming the lives of vulnerable nursing home residents in Maryland. The banks listed at right have loaned or invested over $8.2 million to help provide safe, crimefree living environments to over 2,000 Maryland seniors that reside in nursing homes, HUD senior housing communities, and our nation’s veterans homes.

■ The Senior Housing Crime Prevention Foundation (SHCPF) was established to provide a vehicle for banks to earn Community Reinvestment Act consideration. It has been used by financial institutions in an effort to address lending, investments, and/or servicing credit.

The program gives banks a way to satisfy their CRA requirements, create positive public relations in their communities, and develop valuable new business relationships, while serving an often overlooked segment of our society – vulnerable senior housing residents.

For more information on the program, including the many benefits of the program contact Peter Gwaltney at 877-232-0859 or visit www.shcpfoundation.org.

First United Bank & Trust – sponsoring the Senior Crimestoppers program at Hampshire Center in Romney, West Virginia.

Howard Bank – sponsoring the Senior Crimestoppers program at Harper House in Columbia and at Marley Neck Health & Rehab in Glen Burnie.

PeoplesBank, A Codorus Valley Company – sponsoring the Senior Crimestoppers program at Augsburg Lutheran Home in Baltimore.

Sandy Spring Bank – sponsoring the Senior Crimestoppers program at Wilson Health Care Center in Gaithersburg.

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First Quarter 2012 | 11

Message from the Chairman continued from page 5

legislation to establish a state-wide financial education program in our public schools.

Individual banks partner with elementary schools to reach young children, and continue to reach out to young adults, local business owners and retirees to give them the knowledge they will need to make good financial decisions throughout their lives. We just announced our own financial education standouts at the Next Leaders in Banking Awards Gala that was held at the MBA’s inaugural BankNext event.

As a result of these financial education programs, the general public is made more aware of how to ask for advice from a bank, how local banks work, the tremendous good works taking place in their communities that are sponsored and supported by local banks, the volunteer leadership vacuum that is filled every day by bankers serving on boards and committees for no compensation and the differences and distinctions between banks and other financial institutions.

In this way, we are able to help the average consumer and the average business owner recognize and avoid some of the predatory lending practices that are routine in some financial institutions – and recognize that their local banks do not engage in these practices. By helping our customers help themselves, by establishing a strong foundation for them to make good financial decisions, we also help polish the image of local banks everywhere.

Please join me in our ongoing efforts to rebrand the image of banks in Maryland and in the nation. If you don’t already, consider having your bank participate in national programs like Teach Children to Save Day and Get Smart About Credit.

Reach out to your local schools. Join our partnership with Habitat for Humanity Maryland, and Maryland Bank Services Preferred Providers EverFi and The Senior Housing Crime Prevention Foundation (SHCPF). Make sure the MBA knows about your volunteer activities and leadership.

Help us educate your elected officials about the unintended consequences of certain legislative proposals. And whatever your 12 | The Maryland Banker

bank is doing to support local communities and businesses, make sure your customers know about it.

Spread the word: local banking is back and better than ever.

■ Mary Ann Scully is the chairman of the Maryland Bankers Association. Reach her by email at mascully@ howardbank.com. continued from page 5

partner families who are, or will be, the recipients of houses built by local volunteers to meet the financial education requirements of the home recipients.

EverFi The nation’s leading Financial Literacy software company.

Their platform is used in over 3,000 high schools across 49 states and is backed by hundreds of leading banks and associations. Their award-winning program teaches, assesses and certifies students in financial literacy using the latest new media tools, including 3D gaming, messaging tools, animations, video, adaptive-pathing and other technologies. EverFi was recently named one of the Top 250 Global Technology Companies.

The Senior Housing Crime Prevention Foundation (SHCPF) A

national non-profit organization that serves as a risk-free, profitable conduit for banks to use to fulfill their federally mandated Community Reinvestment Act (CRA) requirements. The foundation’s mission is to provide safe and secure living environments for our nation’s senior housing residents through the operation of the nationally-acclaimed Senior Crimestoppers program in each participating bank’s CRA assessment area. All of the federal banking regulatory agencies support the SHCPF and grant CRA credit in a consistent manner for participating banks.

To learn more or get involved in any of these programs, contact the MBA at 410269-5977.

Maryland Banking Services Featured Partner continued from page 6

reopen the lines of communication with delinquent consumers, not only to prompt payment but preserve the ongoing relationship.

And most importantly, a superior third party will ensure consistent reporting and feedback so the financial institution is always apprised and in control.

The right third-party resource can empower institutions to reduce account management costs, optimize internal productivity, and improve member retention.

■ TekCollect provides comprehensive cash flow management, collections and customer retention solutions to financial institutions nationwide.

TekCollect’s technologically advanced approach generates the highest recovery ratios in the marketplace. For more information, visit www.tekcollect.com.

Economic Update continued from page 10

At least some of Maryland’s soft performance can be explained by federal spending dynamics. Anecdotal information suggests that certain federal agencies horded cash in 2011 because of policy uncertainty. With the debt ceiling debate at least partially resolved for now, Maryland’s economy has performed better of late, though by September the state’s unemployment rate was six-tenths of a percentage point higher than in March.

Many of the industries now expanding most rapidly nationally, including energy and exports, are not Maryland specialties.

Therefore, it is quite likely that Maryland’s economy will continue to underperform along many key dimensions in 2012.

■

News &

Notes

Members in the Community Frederick County Bank (FCB) celebrated its 10th anniversary on Oct. 18. In honor of FCB’s anniversary, bank customers and the general public were invited to stop by any FCB branch office for Customer Appreciation Week from Oct. 18 – 22. Frederick County Bank president and CEO Marty Lapera shares, “FCB was formed in 2001 for the purpose of offering businesses and individuals a community banking option, and a look back at our history over these last 10 years tells a remarkable story of a group of people who have all contributed to our success and accomplishments. By building meaningful relationships with our clients, shareholders, employees, and the community, as well as managing the bank very conservatively, we have been able to weather the ongoing economic uncertainties while establishing a high level of confidence and security in FCB’s strength and stability.

We remain confident and secure in Frederick County Bank’s future, and look forward to celebrating with everyone who has been or will be a part of our story.”

Howard Bank’s Mary Ann Scully is ‘Good Scout’

From left to right: FCB employees Denise Guyton-Boyer, Roxann Welch, Steve Fennington, Berniece Brown, Elaine Summers and Jewell Kemp gather in the lending department during the bank’s 10-year anniversary celebration.

Mary Ann Scully, MBA chairman and chairman, president and CEO of Howard Bank, has been named the 2011 recipient of the Howard County Good Scout Award presented by the Baltimore Area Council of Boy Scouts of America. Scully was honored at the Good Scout Award Breakfast on Nov. 4. Scully is only the second woman to be honored in the history of the Howard County Good Scout Award program. The event generated $70,000 to support Scouting programs and training to neighborhoods throughout Howard County. She was lauded for her “duty to other people,” as well as for her professional success and the “esteem and respect” with which she is held in the community.

From left to right: Members of FCB’s Patrick Center branch team Joy Reichard, Tammy Pearrell, Sarah Popielasz, Lori Cromwell, Kristie Stottlemyer and Pat Gaither prepare to welcome customers during the bank’s 10-year anniversary celebration. continued on page 14

First Quarter 2012 | 13

News &

Notes

continued from page 13

PNC Bank Opens Branch in Shady Grove Middle School On Oct. 13, PNC and Shady Grove Middle School brought banking to its student body by unveiling their own PNC bank branch within the school, “Timberwolves Bank.” Students will have an opportunity to open a savings account and make deposits to their account twice a month (they will have to visit a branch outside the school to make a withdrawal).

Some students will be trained as tellers and marketers under the supervision of PNC staff members and Shady Grove staff. Students will earn Student Service Learning hours for their work. “This is an opportunity for students and the public to see that we are teaching and giving our students practical experience understanding our banking system and its benefits,” said Ginny Singhaus, family and consumer sciences teacher at Shady Grove.

Accume Partners Expands into Regulatory Compliance Services Cal Ripken Jr., and Elmo joined Lou Cestello, PNC’s regional president in Greater Maryland, to demonstrate support of a PNC grant to bring financial education to preschoolers in Central Maryland.

PNC Grant Introduces Financial Education to Preschoolers Spend, save and share. According to research, these simple money management concepts can be learned as early as children can count. PNC is banking on it with a program that brings financial education to Baltimore-area YMCA Head Start classrooms by teaching lessons in spending, saving and sharing. With a two-year, $172,038 grant from the PNC Foundation, the YMCA of Central Maryland introduced a financial education curriculum this fall in 52 YMCA Head Start classrooms in Baltimore City with plans to expand to all Y Head Start and preschool classrooms in the surrounding counties in 2012. The funding is in support of PNC Grow Up Great, an award-winning early childhood education program.

In October, PNC further bolstered its commitment to early childhood education by announcing the extension of PNC Grow Up Great by another $250 million, building on its existing $100 million, 10-year initiative across the company’s footprint. “This significant commitment of resources coupled with our advocacy efforts, the work of employee volunteers and community partners will help prepare more children for success in school and life,” said Louis R. Cestello, PNC Bank’s regional president in Greater Maryland.

14 | The Maryland Banker

Accume Partners broadens its expertise and adds a full range of regulatory compliance management and advisory services to proactively assist clients with the increasingly complex requirements of today’s regulatory environment. According to Mark Lindig, Accume Partners CEO, “Given the current regulatory environment and that to come under Dodd-Frank, compliance management and advisory services are a natural complement to Accume’s internal audit and risk management services. This broadens our range of expertise and is applicable to all of our current services, which will enhance Accume’s overall value to our financial institutions clients.”

Share Your News What’s happening in your business? Have news to share?

Celebrating a milestone in 2011? Share your bank’s achievement. Send your news and photos to Cindy Tom Long

Mike Smith

Kelly Rew

Bruce Yarwood

Gentilcore at cgentilcore@mdbankers.com.

Members on the Move New Windsor State Bank has named Thomas E. Long as branch officer and branch manager at their Market Place office.

Long has a strong background in accounting, lending and leadership. He is a lifelong Westminster resident and a graduate of McDaniel College.

Michael T. Smith has been promoted to PNC’s business banking market manager for greater Maryland. He is responsible for directing a leadership team of bankers who deliver PNC solutions and services that help business owners manage cash flow and increase efficiency to strengthen and grow their businesses. Smith joined PNC in 2009 as business banking sales manager and has held several leadership positions in his 30 years of financial services experience in the Baltimore area.

Smith received a bachelor’s degree in business administration from Loyola College in Maryland. Committed to serving the community, he is an active board member for the United Way of Central Maryland, the Better Business Bureau of Greater Maryland and the Institute of Notre Dame of Maryland.

Kelly Rew has been promoted to PNC’s business banking sales manager for the Peninsula and Delmarva regions of the Eastern Shore. In her new role, she oversees a team of bankers who help

Welcome New Members

business owners manage cash flow and increase efficiency to strengthen and grow their businesses. Rew joined PNC in 1994 and previously held retail and business banking positions of increased responsibility, including her most recent role as business banker III in Wicomico County. Rew received her bachelor’s of degree from Towson University. She also is a graduate of the Maryland Bankers Association Maryland Banking School and the American Bankers Association National Commercial Lending School. Active in the community, she is a Maryland Capital Enterprises board member and also serves on the Gala Committee for the United Way of the Lower Eastern Shore.

CFG Community Bank has appointed Bruce Yarwood to its board of directors. Yarwood comes to CFG Community Bank after serving as president and CEO of the American Health Care Association, the nation’s largest association representing long-term and post-acute care providers. “Bruce Yarwood is a veteran leader, and we are thrilled to have him join our board of directors,” said A. Gary Rever, CEO of CFG Community Bank. “Yarwood brings a wealth of knowledge and diverse experience to our board, having demonstrated effective leadership in key organizations. The positive additions we’ve made to our board this year reflect our commitment to representing our shareholders’ interests, and will help us continue to build a vibrant bank in our market area.”

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First Quarter 2012 | 15

Top Left: The first-grade class at Halls Cross Roads Elementary School in Aberdeen displaying their Certificates of Achievement for completing all five sessions of the Junior Achievement Program “Our Families.” Karen Novak, bank secrecy office for NBRS Financial Bank, taught the JA sessions, which emphasize the roles people play in the local economy by performing activities involving needs, wants, jobs, tools and interdependence.

Top Right: During One Week, Capital One Bank’s weeklong community service event, Capital One Bank associate volunteers lead a financial literacy activity with students at Ferebee Hope Elementary School in Washington, DC’s Ward 8.

Middle: Capital One Bank executives and student bankers celebrate the Fall 2011 grand opening of the Capital One Student-Run Bank Branch at Parkdale High School in Prince George’s County. From left to right: Michael Pugh, Prince George’s County market president for Capital One Bank; Ishmael “BJ” Yates, student banker; Jadé Forde, student banker; Vohn Beach, student banker; Denise Pope, market executive for Capital One’s Mid-Atlantic market; Angelica Bullock, student banker; Charles Cooley, student banker; Sally Proto, Capital One Bank district manager; Rosana Williams, Capital One Bank branch manager.

Wes McCabe, loan officer at Calvin B. Taylor Banking Company, his family, and a U.S. Air Force Thunderbird Pilot, at the bank’s annual customer appreciation event, the OC Air Show. The bank is a corporate sponsor of the three-day event, and invite all of its customers to participate.

16 | The Maryland Banker

PROUD TO BE A BANKER MARYLAND’S STORY NO STRANGERS TO HELPING CLIENTS, COMMUNITIES

BY KRISTIN CANTU

T

he average American might not paint a flattering picture if asked to describe their current feelings about banks. With words like “deregulation,” “mortgage crisis,” and “unnecessary bank fees” flying around, many of them probably aren’t getting a clear picture of what banks are doing every day to ensure their clients and communities are taken care of, something Maryland bankers are no strangers to.

How exactly are Maryland bankers separating themselves from sweeping generalizations that all banks are bad? By doing what they do best every day. Diving right into their community and giving back in any way that they can.

B.J. Goetz, Susquehanna Bank’s senior vice president, leads by example. As head of a commercial banking team, Goetz serves on the board for the Boys & Girls Club of Washington County, which will soon kick off a campaign to raise funds to construct a new gymnasium and club facility serving as many as 200 kids. “It provides an opportunity for them to take part in a positive atmosphere,” he said.

Every employee at Susquehanna Bank takes part in community activities and can choose which organizations appeal and interest them most. This was especially helpful for Goetz, who became involved with organizations where his kids can volunteer too.

“I want to show my children what’s out there and what’s different … what they can do to make a difference.”

“Confidence in the banking industry has been relatively shaky,” Goetz added. “You have to earn that trust and respect and then show what you can do to keep it. I’m proud of the fact that for the most part we’ve been able to maintain that confidence in the community.”

BB&T knows all about maintaining community confidence. As big supporters of Maryland’s Cystic Fibrosis Foundation, the bank holds two marquee events every year, which last year raised more than $900,000, said Brant Standridge, former president of the Baltimore metro region, who recently moved to serve as president of BB&T in

From left: Jim Simon, loan officer; Lee Chisholm, Snow Hill branch manager; and Wes McCabe, loan officer, at the 27th Annual Calvin B. Taylor Bank Company/Ocean Pines Golf Tournament to Benefit Junior Golf.

continued on page 18

First Quarter 2012 | 17

Proud to Be a Banker – Maryland’s Story continued from page 17

Georgia.

Eddie McKinnon is very thankful for BB&T’s work with Maryland’s Cystic Fibrosis Foundation. His wife, Jen, has cystic fibrosis and has spoken at events for the foundation. McKinnon said the bank “has gone way beyond the realm” of what anyone would have expected. Bank employees even show up at events the financial institution isn’t directly involved in “just to show commitment for the cause,” he said.

BB&T contributes nearly $1 million each year directly to their community, in addition to time volunteered by employees, making Standridge “proud of the role that banks in general and bankers play in the vitality of any community,” he said. “I’m really proud of the impact in a positive way that banks can have on our local communities and that I have the opportunity to do that every day.”

Investing locally is how many financial institutions positively impact their community, said Daryl Motley, vice president and controller of Community Bank of Tri-County. “At Community Bank we’re a major lender to small businesses in our area and we believe in forming relationships with our customers to help them grow their businesses,” Motley said.

Having the opportunity to get involved is a key value at many banks, Motley said. In addition to volunteering at a number of community events, the bank also holds consumer education presentations at local high schools.

Many banks have realized that financial literacy needs to be a priority in educating Maryland’s youth. Capital One has run with this idea and opened up a local high school branch run by students. Student bankers at Parkdale High School’s Capital One branch are responsible for managing all aspects of the bank as well as teaching other students the importance of money management skills, said Denise Pope, market executive for Capital One’s Mid-Atlantic market.

The idea of having a bank in a high school made some heads turn. “When I first heard that they were putting a bank inside of the school Denise Pope I said, ‘What? Why are they putting a bank in Parkdale?’ But as I thought about it, I realized that this would be a great opportunity for us to learn about saving our money at a young age,” said student banker Candace Washington.

Pope views herself as a mentor and role model for a lot of students. “With anything, you get out what you give in,” she said.

“I think we’re really connecting and making a difference for the students, getting them excited about what the possibilities of the future will be.”

For some students, their futures now include the possibility of college. “Before this program I wasn’t heavily considering college, but with the people I’ve got to meet, that has changed,” said Bladimir Martinez, student banker. “I’ve opened my eyes and realized that education plays a huge role in our lives.”

Moments like those are the most memorable of Pope’s 32 years in the banking industry. “It’s so rewarding to be able to help [customers and students] through different challenges in their life 18 | The Maryland Banker

Top: Eddie McKinnon, his wife Jen, and their twin girls Tegan and Stella, with others who participated in Cystic Fibrosis Cycle for Life, sponsored

by BB&T. Bottom: Brant Standridge, president of BB&T’s operations in Atlanta, Georgia (formerly president of operations in Maryland), crosses the finish line of the Cystic Fibrosis Cycle for Life, held in Rose Haven, Maryland.

or celebrate things that we’ve been able to help them achieve,” she said.

Doing the right thing is just part of the job description when you work for community banks, said J.D. Zachry, senior vice president of Severn Savings Bank’s retail/commercial banking division. “I think that in order to call yourself a community banker, you need to be involved in the community,” he said. “It doesn’t J.D. Zachry mean that a larger bank can’t be communityminded, but it’s a different expectation and I think that’s true for the clients that we serve.”

Severn is very active in Chesapeake’s Habitat For Humanity, Zachry said. The bank offers pro bono servicing for the organization’s loans. Severn is also active with Anne Arundel Community College, offering both scholarships and financial literacy courses in its parenting center.

In addition to the bank’s extensive community efforts, Zachry is especially proud of the financial institution’s work with local, small businesses. “I’m proud to be able to go into a local restaurant and know that they may or may not be in business if it wasn’t for our community bank. Really being able to see the fruits of our labor in the community [makes me] feel good about what we’re doing.”

Karen Novak grew up hearing about all the good things banks were doing for her community, such as helping a neighbor

finance their home or attending the ribbon cutting ceremony for a new library building.

As the Bank Secrecy Act officer for NBRS Financial Bank, Novak is “hoping to reconnect the positive views of the past and bring them into the future,” she said. “Today, we just don’t hear the same positive comments about the Karen Novak profession and I hope my actions in some way are helping to bring that back.”

Soon after becoming a banker, Novak began volunteering in schools and became a certified mentor for troubled children.

“This service to my community is an extension of my daily work at the bank,” she said. “My bank has supported me in each one of these activities. I believe there’s something to be said for that.”

Mike Scully, American Bank’s senior vice president, said that “despite some of the failings of the industry, essentially banking is still people helping people. It’s still the best way for people to realize their dreams and move forward.”

“The industry has a tendency to get painted with a broad brush,” Scully added. “And the Mike Scully reality of it is, there are so many banks across the country that do so many different things and sometimes that has a tendency to get overlooked.”

Scully and 13 other American Bank employees recently worked with the local chapter of Rebuilding Together, which rehabilitates homes for low-income homeowners. Volunteering time is just as important as giving a financial donation, Scully said. “It shows the

From left to right: Slavie Federal Savings Bank’s Gary Barnoff, vice president of branch operations; Steve Wiseman, chair of the Harford County Chamber of Commerce; Patricia Stanley, vice president and CFO; Mike Tagg, vice president of commercial lending; Charlie Wagner, executive vice president and CLO; Vanessa Milio, CEO, Harford County Chamber of Commerce; Phil Logan, president, CEO and chairman; and Gary Geiss, vice president, Slavie Financial Services, at the Harford County Chamber of Commerce August Luncheon, sponsored by Slavie.

community the bank really cares. People will remember that.”

“It is just good business to be a great corporate neighbor,” said Phil Logan president, chairman and CEO of Slavie Federal Savings Bank. “That is what community banking is all about.”

And Slavie is no slouch when it comes to giving back. Its 28 employees are involved with more than 50 organizations and charities.

“I didn’t have to sell the idea to our employees,” Logan said.

“They know that service to the community is good business. Our tagline, our mission, is strengthening the communities and serving continued on page 20

CR MA

[ ] ®

First Quarter 2012 | 19

Proud to Be a Banker – Maryland’s Story continued from page 19

neighbors. We try to live by that every day.”

Slavie is giving back in a big way to the local Boys Hope Girls Hope organization, which serves at-risk children. The bank is leasing its second floor office space free of charge to the staff of Boys Hope Girls Hope.

While most banks don’t require their employees to become involved in their communities, it is expected, said Ray Thompson, president and CEO of Calvin B. Taylor Banking Company.

“We are part of the economic engine that drives our communities and part of that also involves capital that we spend to serve these Ray Thompson organizations,” he said. “We get our employees involved and the bank benefits.”

The bank’s employees and their families benefit as well.

One of Calvin B. Taylor’s employees, who is a mother to a special needs child, was the driving force in getting the bank involved in the local Special Olympics. The bank financially supports the cause and lets the organization find volunteers through the bank.

Thomas S. Wintz, president and CEO Thomas S. Wintz of Rosedale Federal Savings & Loan

Association, was strategic in at least one of his community commitments. He made sure to join the board of a local hospital which serves all of his banks’ communities. The bank also gave a five-year grant for the hospital’s emergency room in its new patient tower.

Rosedale’s employees also volunteer much of their time. Big projects include helping maintain the MA & PA Heritage Trail and participating in a recent Race for the Cure.

Wintz, who has been in the banking industry for 39 years, has seen a lot of changes. But the one thing that stays constant at Rosedale is being able to serve generations of family members at his bank, a common occurrence.

“Seeing the families keep coming back and helping families and communities grow through wherever their transition is,” is really what makes Wintz proud to be a banker, because in order for them to have a healthy business, they have to have a healthy community, he said.

Maryland’s banks and their 40,000 employees are doing the right things in their communities every day. The “right things” will transcend the negative backdrop about the banking industry created by the national media. After all, strong communities and strong banks are inherently linked.

■ Kristin Cantu is a freelance writer.

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20 | The Maryland Banker

MBA Focus Groups

Southern Maryland Focus Group Meeting participants.

T

o build on the momentum of the very positive outcome of the 2010 MBA Member Value and Financial Growth Task Force, in which we examined the benefits offered by the MBA and how our members value those activities today as we plan for the future, the 2011 MBA Member Engagement Task Force was created, under the leadership of MBA Chairman Mary Ann Scully, to develop strategies for increasing the engagement of members and member institutions in MBA to strengthen the value they receive from their membership.

As part of the MBA Member Engagement Task Force work,

four focus groups were conducted in October throughout the state, as well as one-on-one discussions via telephone, to seek input from members about the unique ways that the MBA provides value to them and their institutions and to determine what MBA can do better so that members continue to derive the greatest return on investment for their membership.

We came away with concrete suggestions for changes as well as a reinforcement that we have very satisfied members!

We appreciate the time that our members dedicated to this initiative this year and we look forward to implementing the recommendations from the Task Force. â&#x2013;

First Quarter 2012 | 21

Next Leaders IN BANKING

16 Maryland Bankers Recognized as Next Leaders in Banking

Next

Leaders O

IN BANKING n Thursday, Oct. 6, the Maryland Bankers Association and The Maryland Banker magazine honored 16 bankers throughout Maryland who are considered rising stars in their profession, and who have made significant contributions to their institutions and the communities in which they serve. The inaugural Next Leader Awards Gala was held at the Renaissance Harborplace Hotel in Baltimore. Special guest Lt. Gov. Anthony G. Brown helped present the awards. Here are the honoreesâ&#x20AC;&#x2122; photos and comments in their own words.

Next

Leaders IN BANKING

Next Leaders IN BANKING

22 | The Maryland Banker

NAME: Francesca A.S. Braniger AGE: 28 TITLE: Commercial Lending Officer BANK: First Mariner Bank BANK LOCATION: Baltimore TOWN OF RESIDENCE: Baltimore

Bill Grant, chairman and CEO, First United Bank & Trust (left), and Next Leader winner Josh Bosley, commercial lending officer (right).

NAME: Joshua C. Bosley AGE: 29 TITLE: Commercial Lending Officer BANK: First United Bank & Trust BANK LOCATION: Oakland TOWN OF RESIDENCE: Mountain Lake Park Career highlights: I began my career with First United Insurance Group in 2005 after graduating college. After extensive training I began selling commercial insurance as a commercial lines account executive. One full year later the opportunity arose for a commercial lending position in my home town of Oakland. Beginning in 2006, I advanced from an associate lender to my current position as commercial lending officer in Garrett County.

Community involvement: I am currently the president of the Oakland / Mountain Lake Park Lions Club, which has more than 70 members, who work diligently to support the communities where we live and serve.

Biggest success: Making it to where I am today within First United Bank & Trust. When I graduated college, I never envisioned being in this position. I have been very lucky to have been taught by some of the best in the industry, right within our organization.

If you weren’t doing the job you’re doing now, what would you do? Probably running my own business.

My current position has enabled me to get to know and look within many organizations to see how they operate, identifying the strengths and weaknesses of each. This knowledge, coupled with my drive to succeed, would lead me in this direction.

Career highlights: I love being able to deal with a variety of businesses and needs. Being challenged and getting to learn something new every day is something for which I’m very grateful. While I wish the economy was better, I feel privileged to be able to experience this field during a recession. I’ve learned so much over the years in the collections process, in administration, in underwriting – all due to the economy, lessons I’ll keep for the rest of my career.

Community involvement: Community involvement is something that I greatly support. I’m on the board of directors of two organizations that I truly believe in: Sail Baltimore and CREW. Sail Baltimore is a non-profit organization that works to bring ships in from all over the world in to the port of Baltimore.

CREW stands for Commercial Real Estate for Women.

Banking is a very male-dominated field, and even more so in commercial real estate. So it’s a wonderful way for me to meet other like-minded professional women and support them and their growth in this wonderful field.

Biggest success: Being the youngest and only female production loan officer in the bank, I’m very proud to be in this position. Closing the first loan that I generated is definitely a day I’ll never forget. Since then, my portfolio has grown and I’m very pleased with what has developed over the past few years.

Dream job: While I like the size of the bank I work for, I’d also really love to work for a larger bank, which would allow me to work on larger projects, such as those in the hundreds of millions of dollars, financing buildings that would change a city’s skyline.

If you weren’t doing the job you’re doing now, what would you do? I love managing projects and I’m a very detail and task oriented person. So something along the lines of project management or event coordination has always interested me.

But I also love traveling and photography, so being a photographer for National Geographic would be amazing!

First Quarter 2012 | 23

Next Leaders IN BANKING

Next

Leaders IN BANKING

Capital One’s Denise Pope, market executive for Mid-Atlantic region (left), and Next Leader winner Andre Christian, vice president and district manager (right).

Susquehanna Bank’s Next Leader winner B.J. Goetz, senior vice president (left), and Mike Hough, president, Maryland Division (right).

NAME: Andre D. Christian AGE: 37 TITLE: Vice President and District Manager BANK: Capitol One Bank BANK LOCATION: Mclean, Virginia TOWN OF RESIDENCE: Bowie

NAME: Robert E. Goetz, Jr. AGE: 35 TITLE: Senior Vice President BANK: Susquehanna Bank BANK LOCATION: Hagerstown TOWN OF RESIDENCE: Boonsboro

Career highlights: Becoming a branch manager at 21 and then my first area manager role at 26. I developed reward and recognition programs that motivated associates. I led a campaign that produced $17 million in new mortgage applications for a market of 37 branches. Before joining Capital One Bank, I served as director of retail banking for a very reputable community bank for four years where I developed and implemented the retail consumer strategy as well as incentive plan development for the bank.

Career highlights: I joined the bank on the retail side in 1999, transferred to the commercial banking department in 2001, and became the commercial sales manager in 2007.

Community involvement: I currently serve on the board of directors for the March of Dimes National Capital Area and G12 Youth Empowerment Center. I am the chair of Capital One Bank’s Volunteer Community Core Council for Prince George’s County, chair of the Finance Committee for Greater Mount Nebo A.M.E Church and a member of the advisory board for the Office of Service Learning for Financial Literacy of Prince George’s County.

Biggest success: Developing other leaders to expand their leadership and career opportunities.

Dream job: My dream job would be one where I am able to look at all of our end to end processes that impact sales and service delivery that impact bank associates and customers while also finding ways to financially empower customers to become financially fit.

If you weren’t doing the job you’re doing now, what would you do? Singing on a world tour.

Note: Capital One’s second award winner, Craig Gajewski, was unable to respond by press time.

24 | The Maryland Banker

Community involvement: I am currently on the board of directors for The Boys and Girls Club of Washington County, the board of directors for the Brooklane Foundation, and am an avid youth soccer coach. I have a passion for serving the community by working with children of various ages, being able to provide guidance and act as a role model. I am currently working on a project for the Boys and Girls Club to construct a new facility within the community to satisfy the needs of under-privileged kids.

Biggest success: Being able to satisfy the needs of customers on a daily basis and work closely with them on decisions that they make to take their companies to the next level. Also, the experience I have gained over the past three years in the economic times that we have gone through. Bankers became complacent in their advisory roles and the last three years have significantly changed that mindset.

Dream job: To be the president and CEO of a bank. Hold the responsibility and decisions of making sure that a bank continues in the right direction and maximizes value for employees and shareholders.

If you weren’t doing the job you’re doing now, what would you do? If I was not in the banking industry, I would probably be self-employed in my own business. Something financial related, in working with customers, maybe in the investment or insurance world.

New Windsor State Bank’s Next Leader winner Michelle Green, assistant vice president, BSA officer (left), and Tom Rasmussen, president and CEO (right).

OBA’s Next Leader winner Joe Howerton, vice president and chief information officer (left), and Chuck Weller, president and CEO (right).

NAME: Michelle S. Green AGE: 39 TITLE: Assistant Vice President, BSA Officer BANK: New Windsor State Bank BANK LOCATION: Taneytown TOWN OF RESIDENCE: Hanover, PA

NAME: Joe Howerton AGE: 37 TITLE: Vice President and Chief Information Officer BANK: OBA Bank BANK LOCATION: Germantown TOWN OF RESIDENCE: Silver Spring

Career highlights: I have worked for New Windsor State Bank for the past 10 years, five of those years in my current position. I recently had the opportunity to become a Certified BSA/AML Professional.

Career highlights: I am in my 18th year with OBA Bank and have experience in most aspects of the banking environment including platform management, accounting, commercial lending, compliance, operations and IT. The CIO position allows me to apply this experience to drive process improvements, reduce costs and implement new products and services.

Community involvement: Being the mother of two schoolage children, my time within the community is spent with my children at swim practices/meets, dance practices/recitals, piano lessons and various other school events.

Biggest success: Maintaining a strong BSA program currently, and in recent years, when financial institutions have been under much regulatory criticism.

Dream job: After working in the BSA/AML area of the bank, a career with the FBI would be of great interest to me – to have the opportunity to put all of those pieces together from so many different financial institutions to uncover financial crime. I believe my knowledge and attention to detail would prove to be a great success within the agency.

If you weren’t doing the job you’re doing now, what would you do? It is quite challenging having such an important role within the bank and being a mother of two school age girls involved in so many activities. Being a stayat-home mom would be top on my list if I were not part of the New Windsor State Bank team.

Community involvement: I served on the board of directors and chaired the program committee for Rebuilding Together Montgomery County, a non-profit that provides free home improvement services to low income, disabled and elderly homeowners. As CRA officer I promoted and documented OBA’s involvement with a number of charities including Habitat for Humanity and Family Services Agency.

Biggest success: While I possessed a strong knowledge of the institutions various platforms, transitioning from my position as commercial lender to IT management was a tremendous challenge. Managing this transition successfully ultimately led to my current position as CIO. Dream job: My favorite hobby is freshwater fishing, so owning a guide service or tackle shop is a dream that would also allow more time with my family.

If you weren’t doing the job you’re doing now, what would you do? I have always been interested in all aspects of real estate so I could be a Realtor® while expanding my own investment portfolio.

First Quarter 2012 | 25

Next Leaders IN BANKING

Next

Leaders IN BANKING

From left to right: The Columbia Bank’s John Scaldara, chairman, president and CEO; Next Leader winner Bryan LePage, professional banking relationship manager; Scott Nicholson, executive vice president; and Jeff McCarron, group vice president.

Old Line Bank’s Jim Cornelsen, president and CEO (left), and Next Leader winner Erin Lyddane, senior vice president and treasurer (right).

NAME: Bryan W. LePage AGE: 33 TITLE: Professional Banking Relationship Manager BANK: The Columbia Bank BANK LOCATION: Columbia Town Center TOWN OF RESIDENCE: Sparks

NAME: Erin G. Lyddane AGE: 37 TITLE: Senior Vice President and Treasurer BANK: Old Line Bank BANK LOCATION: Bowie TOWN OF RESIDENCE: Bel Alton

Career highlights: I’ve worked for The Columbia Bank for almost eight years now and this bank has rewarded me very well. With the help of my management team, I have worked my way from the call center to successfully managing three different branches in our footprint, to now being in my current position.

Career highlights: In 2007, I was promoted to senior vice president in charge of the operations and accounting departments, as well as named bank secrecy officer.

Community involvement: I am vice president of the SBA Awards Committee that partners with the BaltimoreWashington Corridor SBA to recognize the accomplishments of small businesses. I am a board member of the West Anne Arundel Chamber of Commerce and I chair their Small Business Committee, which provides value and insight to the chamber’s small business members.

Biggest success: Opening and successfully growing a new branch in a new market during one of the country’s worst recessions (to date).

Dream job: President of the bank If you weren’t doing the job you’re doing now, what would you do? Sleeping. I have a newborn and two-year-old at home. If I could do anything, I would love to be a writer.

26 | The Maryland Banker

Community involvement: I volunteer with the recreational sports teams for children in my community, as well as assist with one of our local food pantries. I serve as a member of the board of directors of St. Mary’s Ryken High School in Leonardtown.

Biggest success: I have led the bank through two core processing conversions as well as played a role in our most recent acquisition of another banking institution.

Dream job: Honestly, I have not discovered my “dream” job yet. I enjoy my current position and I have a great sense of pride that has come with working for an organization like Old Line Bank. Maybe when I am 40 I will have a better feel for my dreams!

If you weren’t doing the job you’re doing now, what would you do? Most likely would be working within the financial industry on some level. But if I were given the opportunity, I would be doing something that would allow much more time with my three small children.

Jack Goldstein, chairman and CEO, NBRS Financial Bank (left), and Next Leader winner Karen Novak, assistant vice president and BSA officer (right).

PNC Bank’s Next Leader winner, Bill Polyniak, assistant vice president and loss prevention associate.

NAME: Karen M. Novak AGE: 30 TITLE: Assistant Vice President and BSA Officer BANK: NBRS Financial Bank BANK LOCATION: Rising Sun TOWN OF RESIDENCE: Elkton

NAME: William J. Polyniak AGE: 36 TITLE: Assistant Vice President and Loss Prevention Associate BANK: PNC Bank BANK LOCATION: Baltimore TOWN OF RESIDENCE: Glen Burnie

Career highlights: I advanced from teller to branch manager by age 21. I transitioned from the big bank arena to community banking in 2006, where my office saw significant deposit growth. I was promoted to BSA officer in 2010, and have since obtained ICBA certification.

Career highlights: I celebrated my 18th year in banking in August 2011. I have worked with both Mercantile Safe Deposit and Trust Company and PNC Bank. I am very fortunate to work with a very skilled and knowledgeable team that also includes a very supportive and positive leadership structure that encourages our career advancement and also values our input on a regular basis.

Community involvement: I serve on the board of directors for the NBRS Financial Bank Foundation and the Friends of the Cecil County Public Library. I am also the Business Benefactors Coordinator at the library. I’m a certified instructor for Junior Achievement programs in New Castle, Cecil and Harford counties.

Biggest success: Achieving balance in my career between work and philanthropy. I am blessed to have an employer who supports my volunteer efforts and allows me the time and resources to serve my community. It’s more than just enjoying what I do, it’s truly living the brand of being part of a community bank.

Dream job: If I could enhance my current skills with more criminal justice and IT concentrations, as well as obtain the knowledge and access to information that Garcia has (from the TV show “Criminal Minds”), I’d love to use all of that to fight financial crime and fraud on an expanded level.

If you weren’t doing the job you’re doing now, what would you do? If I wasn’t in banking I would be in education. I enjoy enlightening the minds of others, especially young children.

Education is the most important gift we can share with the younger generation. Knowledge definitely is power, and we need to teach that to the nation’s youth.

Community involvement: PNC is involved with the Grow Up Great campaign, which positively impacts the lives of children and families in the communities we serve. The program allows us to ensure that at-risk children don’t just grow up, but grow up great. I have been a proud Grow Up Great volunteer on many occasions, including a very gratifying project that allowed us to assist with the renovation of a school.

Biggest success: Celebrating my 18th year in banking and working in a position that I truly enjoy with a very supportive cast of co-workers, who I am very proud to call my friends.

Dream job: I really enjoy my current position here at PNC that allows me to deal with different issues on a daily basis and also to work with so many wonderful people and various departments. I hope to continue to advance within the organization. One day however, I would like to work in a financial investigations analysis position with the Federal Bureau of Investigation.

If you weren’t doing the job you’re doing now, what would you do? Most likely a position in law enforcement, specifically a special agent with the FBI.

First Quarter 2012 | 27

Next Leaders IN NAME: BANKING Steven M. Poynot

AGE: 33 TITLE: Senior Vice President BANK: Howard Bank BANK LOCATION: Ellicott City TOWN OF RESIDENCE: Elkridge

Next

Leaders

Career highlights: I started my career at Mercantile-Safe Deposit & Trust Company in Baltimore, moving throughout the organization before finishing as a construction loan administrator. I then joined Howard Bank and have been here for almost seven years, taking on positions of increasing responsibility as the bank has grown. I began at Howard Bank as an assistant vice president and relationship manager, subsequently promoted to a team leader in 2008, and am now team leader for client services support and head of credit administration.

IN BANKING

Howard Bank’s Paul Brown, executive vice president/chief lending officer (left), and Next Leader winner Steve Poynot, senior vice president (right).

Next

Community involvement: I am on the board of the Howard County Arts Council. I serve as the treasurer and sit on the Executive Committee, Finance Committee and Celebration Committee.

Leaders

Biggest success: To date, being promoted to team leader and senior vice president. In a growing organization like Howard Bank, having the opportunity to have an impact on the future is very exciting and my position allows me to do that.

If you weren’t doing the job you’re doing now, what would you do? I would probably be a lawyer.

IN BANKING

CONGRATULATIONS to the Next Leaders in Banking!IN BANKING

Next Leaders

xt

Leaders

28 | The Maryland Banker

IN BANKING

BankAnnapolis’ Next Leader winner Shawn Schoene, vice president, senior credit officer.

Biggest success: When I first came to BankAnnapolis the credit department was in a period of transition, having only an administrative person and one relatively new underwriter and a backlog of work. I have been fortunate to expand the department to two very experienced credit officers and a junior analyst from within the organization. With the help of this group, the credit department has built a solid reputation of consistency and teamwork with our line partners that has, in my opinion, helped to strengthen the culture within BankAnnapolis and fostered loan growth.

Dream job: A teaching position where I would be able to share my experiences and knowledge with future bankers and financial professionals. I really enjoy training and mentoring and believe that this would be a natural transition.

If you weren’t doing the job you’re doing now, what would you do?

Anything involving traveling that provided me the ability to spend additional time with my beautiful wife, Hilary, and very active 11 month old son, Mason.

NAME: Shawn M. Schoene AGE: 33 TITLE: Vice President, Senior Credit Officer BANK: BankAnnapolis BANK LOCATION: Annapolis TOWN OF RESIDENCE: Odenton Career highlights: My career in banking began in 1997 as a part-time teller within the Mercantile affiliate network of Citizens National Bank. I worked within the retail side of the bank while studying accounting and finance in college and eventually transitioned to the credit department as an analyst trainee during my junior year. I continued within the credit department through the acquisition of Mercantile by PNC, eventually making the transition to BankAnnapolis in the winter of 2009, at which point I became the senior credit officer, overseeing the commercial underwriting function for the organization.

Community involvement: I am an active member of the non-profit Wellness House of Annapolis, which serves anyone impacted by cancer, with free services and programs from support groups for children, teens and adults to healthy living services like yoga, reiki, meditation and therapeutic art classes. I help with fundraising and community outreach.

Resourceful. Responsive. Reliable.

Do business with someone who thinks like you. www.CBBonline.com

410.356.4876

First Quarter 2012 | 29

Next Leaders IN BANKING

NAME: Brian Schott AGE: 36 TITLE: Commercial Real Estate Relationship Manager BANK: Sandy Spring Bank BANK LOCATION: Columbia TOWN OF RESIDENCE: Glenelg

Next

Leaders

Career highlights: The opportunity on a daily basis to work with individuals at Sandy Spring Bank, who exemplify all that is good and right in banking.

IN BANKING Community involvement: I regularly work with my son at service projects for the Cub Scouts.

Biggest success: Working for the largest lending institution headquartered in the state of Maryland.

If you weren’t doing the job you’re doing now, what would you do? If money were no object, I would spend time at home with my family and time on the golf course.

Sandy Spring Bank’s Next Leader winner Brian Schott, commercial real estate relationship manager (left), and Jay O’Brien, executive vice president, commercial and retail banking, and president, Northern Virginia market (right).

CONGRATULATIONS, SHAWN!

Shawn Schoene, Vice President, BankAnnapolis

Named one of the “Next Leaders in Banking” by the Maryland Bankers Association. We applaud your dedication to BankAnnapolis, our customers and our community.

Annapolis Towne Centre 410.224.9704

30 | The Maryland Banker

•

Bestgate 410.224.4483

•

Cape St. Claire 410.974.1515

•

Edgewater 410.956.2900

•

Kent Island 410.643.4191 • Severna Park 410.518.6885

NAME: Todd Warren AGE: 39 TITLE: Vice President of Commercial Lending BANK: Sandy Spring Bank BANK LOCATION: Montgomery, Howard, and Anne Arundel counties TOWN OF RESIDENCE: Baltimore County Career highlights: I have developed a specialized lending program for healthcare professionals, utilizing my research in this area to develop the loan matrix and I am a decision-maker in the credit approval process. I have consistently ranked as a sales leader in all positions throughout my banking career.

Sandy Spring Bank’s Patrick Shurney, senior vice president and market leader-Chesapeake region (left), and Next Leader winner Todd Warren, vice president of commerical lending (right).

Community involvement: I am the past chairman and current advisory board member of Academy of Finance of Baltimore County; chairman of the board of Center for Progressive Learning (a $5 million per year non-profit that manages foster care for mentally handicapped individuals); am on the Membership Committee for Suburban Country Club; and am the former vice president of Carroll County Development Company.

Biggest success: I consider my biggest success to be achieving my graduate degree while having severe dyslexia. I have shared my success with others through public speaking to encourage those with learning differences to pursue their goals and not give up.

If you weren’t doing the job you’re doing now, what would you do? I would love to be a football coach. My high school football coach had a tremendous impact on my life and he has strongly influenced my life’s accomplishments. I would love to have the opportunity to give back in that same capacity.

Congratulations Bill!

PNC Bank would like to congratulate William Polyniak and all of the recipients of the Next Leader in Banking Award for this outstanding achievement!

William Polyniak Assistant Vice President Loss Prevention Associate

First Quarter 2012 | 31

Next Leaders IN BANKING

Next Severn Savings Bank’s Next Leader Winner J.D. Zachry, senior vice president, retail/ commercial banking division.

NAME: J.D. Zachry AGE: 34 TITLE: Senior Vice President, Retail/ Commercial Banking Division BANK: Severn Savings Bank BANK LOCATION: Annapolis TOWN OF RESIDENCE: Severna Park

Leaders

Career highlights: I’ve been with Severn Savings Bank for two and a half years. I have enjoyed working for a bank that truly understands the meaning of “community,” that supports and encourages me to be an active leader within that community. The work we do truly impacts and helps the businesses and residents of our local market, and that’s a great feeling.

IN BANKING

Community involvement: I am on the board of The Friends Foundation in Annapolis.

I’m also active with several other local non-profit organizations, including The Summit School, Hospice of the Chesapeake, Habitat for Humanity, and the YWCA. Biggest success: Helping to launch a completely new line of business for the bank, and seeing its team grow into a true success within the bank and the market.

Dream job: My dream job would be to coach the Baltimore Ravens!!

If you weren’t doing the job you’re doing now, what would you do? I would probably be coaching college sports somewhere with much warmer weather!

Congratulations!

OBA Bank is proud to congratulate our own Joe Howerton and all the recipients of the Next Leaders in Banking Award.

Germantown Gaithersburg Bethesda Rockville Columbia Coming Soon to Arundel Mills!

Joe Howerton, Vice President Chief Information Officer

Member FDIC

32 | The Maryland Banker

Scenes from

EXPLORING THE FUTURE OF BANKING

EXPLORING THE FUTURE OF BANKING

BankNext 2011 brought together more than 250 of Marylandâ&#x20AC;&#x2122;s bankers and financial vendors for an informative and productive conference.

JEEZ! The registration booth in a rare quiet moment.

Real estate lending is risky business.

How can I protect my portfolio???

Feasibility Analysis Cost Analysis Property Condition Surveys Environmental Assessments Attendees were entered into a drawing to win a 40-inch television.

Progress Monitoring Inspections

www.dcmi-midatlantic.com

office: 703.753.8072

First FirstQuarter Quarter 2012 2011 | 33

SPECIAL EVENTS

Mar yland Bankers Association Professional Development Calendar

2012 January 6

First Friday Economic Outlook Forum

June 3-6

MBA Annual Convention

Fall 2012

Look for more information on BankNext!

General Banking General Accounting (AIB)

February 14

Marketing Financial Services (AIB)

May 15-22

ABA School of Bank Marketing and Management

Principles of Banking (AIB)

January 17

Law and Banking: Applications (AIB)

January 23

Principles of Banking (AIB)

January 30

Economics for Bankers

February 6

Law and Banking: Principles (AIB)

Security & Technology

Principles of Banking (AIB)

Spring 2012

Look for more information on upcoming Security Conference!

April 22-27

Bank Technology Management School (GSB)

SEMINARS, WEBINARS,

SCHOOLS, AND ONLINE TRAINING Compliance Spring 2012 January 23

Look for more information on upcoming Compliance Roundtable!

Online Review for the CRCM Exam

Marketing

January 9

Analyzing Bank Performance (AIB)

February 14

Money and Banking (AIB)

Supervisor Certificate Program (AIB)

February 21

General Accounting (AIB)

Principles of Banking (AIB)

January 30

Online Review for the CTFA Exam

March 5

Law and Banking: Applications (AIB)

March 5

Principles of Banking (AIB)

Introduction to Trust Products and Services (AIB)

February 22

Ensuring Compliance with Deposit Regulations (PBS)

April 4

Anti-Money Laundering and Bank Secrecy Act (PBS)

April 10

Advertising Compliance – Deposits Webinar (PBS)

April 11

Advertising Compliance – Loans Webinar (PBS)

June 21

Reg CC Overview, Holds and Any Changes Webinar (PBS)

April 15-20

Human Resource Management School (GSB)

July 10

Regulation E Error Resolution Procedures Webinar (PBS)

Bi-Annually

Advanced HR Management Seminar (GSB)

August 23-24 Anti-Money Laundering and Bank Secrecy Act School (PBS) October 25-26 Compliance with Federal Lending Regulations (PBS) October 27

March 19

Economics for Bankers (AIB)

Law and Banking: Principles (AIB)

Principles of Banking (AIB)

August 12-24 Graduate School of Banking (GSB)

HR & Training

IRA Personnel February 27

IRA Online Institute (AIB)

Mastering HMDA (PBS)

November 15 Deposit Documentation – Baltimore (PBS) November 16 Deposit Documentation – Easton (PBS)

Lending January 9

Analyzing Financial Statements (AIB)

January 17

Consumer Lending (AIB)

February 6

Analyzing Financial Statements (AIB)

Executive Management & Directors June 26

Trust

BSA – Directors Update Webinar (PBS)

February 27

Consumer Lending (AIB)

March 5

Introduction to Mortgage Lending (AIB)

March 5

Analyzing Financial Statements (AIB)

April 22-27

ABA Commercial Lending Schools

August 19-22 Senior Management Seminar (GSB)

Finance January 9

Managing Funding, Liquidity and Capital (AIB)

February 21

Managing the Bank’s Investment Portfolio (AIB)

March 12

Managing Interest Rate Risk (AIB)

September 23-28 Financial Managers School (GSB)

34 | The Maryland Banker

For detailed and updated information on all professional development programs, visit the Calendar section of the MBA’s website at

www.mdbankers.com.

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