Spotlight on chapters 2002-2003

Congratulations and Thank You

RMA values the thousands of hours invested by our Chapter Leadership and other volunteers throughout the year. Without their help, we couldn't deliver the high-quality services, products, and programs our members have come to depend on. We thank them for a job well done and extend our congratulations to all the leaders and members who have won awards in the past year.

CHAPTER LEADERS

Arizona, Sherry L. Poppen, Wells Fargo Bank Arizona NA, Phoenix, AZ

Atlanta, David F. Clark, Colonial Bank, Dunwoody, GA

Atlantic, David J. McLeod, Canadian Imperial Bank of Commerce, Halifax, NS

Baton Rouge, Cathy Denson, First Bank, Baton Rouge, LA

Birmingham, Warren Giardina, First Commercial Bank, Birmingham, AL

Buffalo, John C. Wright, FleetBoston Financial, Buffalo, NY

Calgary, Wendy L. Knight, RBC Royal Bank, Calgary, AB

Capitol, Herschel Gornhein, KeyBank NA, Albany, NY

Carolinas-Virginias, John A. DeRito, BB&T, Charleston, WV

Central Alabama, Danielle W. Mason, Regions Bank, Montgomery, AL

Central Arkansas, Kelly Harbert, One Bank & Trust, Little Rock, AR

Central, Andrew O. Kane, HSBC Bank USA, Syracuse, NY

Central Florida, Thomas R. Wallace, SunTrust Bank, Orlando, FL

Central Illinois, Thomas H. Tracy, BankIllinois, Champaign, IL

Central Indiana, John R. Konkle, Bank One NA, Indianapolis, IN

Central Ohio, Nancy L. Kowalski, KeyBank NA, Granville, OH

Central Texas, Brian J. Anderson, Compass Bank, Austin, TX

Central Utah, Sterling W. Orton, Wells Fargo Bank Northwest NA, Pleasant Grove, UT

Central Valley, Zandra Morris, Old Republic Title Company, Stockton, CA

Charlotte, Wilbert Harper, BB&T, Winston-Salem, NC

Chesapeake, Peter L. Hickling, Sandy Spring National Bank, Olney, MD

Chicago, Daniel L. Lueken, Cole Taylor Bank, Chicago, IL

East Central PA, Jeffrey R. Rush, Wachovia Bank NA, Reading, PA

East Tennessee, Mitchell W. Noble, BB&T, Knoxville, TN

Eastern North Carolina, Matthew C. Grady, Wachovia Bank NA, Raleigh, NC

Eastern South Carolina, Lawrence S. Bolchoz, First Federal Savings & Loan Assn, Myrtle Beach, SC

Empire, Robert A. Markowski, HSBC Bank USA, Syracuse, NY

Eugene, Mark Humphreys, US Bank National Association, Eugene, OR

First Coast, Thomas L. Savage, Wachovia Bank NA, Jacksonville, FL

Florida, William V. Stanton, Regions Bank, Tampa, FL

Fresno, John F. Bergman, Kaweah National Bank, Visalia, CA

Golden Gate, Michael D. Moore, First Bank, San Francisco, CA

Great Smokies, Lacy A. Cross, Capital Bank, Asheville, NC

Greater Charleston, Kevin W. Futrell, National Bank of South Carolina, Charleston, SC

Greater Cincinnati/Northern Kentucky, Mark L. Stahl, Fifth Third Bank, Cincinnati, OH

Gulf Coast, Tony Ross, Washington Mutual Bank FA, Houston, TX

Hawaii, Mary A. Weisman, Bank of Hawaii, Honolulu, HI

Heart of Missouri, Terry Higgins, Central Trust Bank, Jefferson City, MO

Hong Kong, Siu Kee S.K. Cheung, HSBC Bank USA

IA-IL Mississippi Valley, Tom R. Spread, Central State Bank, Muscatine, IA

Idaho, Fred P. Knehans, KeyBank NA, Boise, ID

Inland Empire, Dana H. Bowman, Chino Commercial Bank, Chino, CA

Iowa, Jeffrey L. Payne, Freedom Financial Bank, West Des Moines, IA

Kansas, Cheryl L. Imel, US AgBank, Wichita, KS

London, Philip A. Carraro, Royal Bank of Scotland, London

Long Island, Theresa Kelly, FleetBoston Financial, Melville, NY

Los Angeles, Thomas E. Shockley, CIT Group, Los Angeles, CA

Los Angeles, James W. Delaney, Wells Fargo Bank, Los Angeles, CA

Maine, William A. Dehais, KeyBank NA, South Portland, ME

Manitoba, Garry R. Wilkes, Toronto-Dominion Bank, Winnipeg, MB

Memphis, Victor T. Walker, SouthTrust Bank, Memphis, TN

Miami Valley, Myron J. Ingram, Fifth Third Bank, Dayton, OH

Michigan, Kenneth J. Stienstra, United Bank of Michigan, Grand Rapids, MI

Middle Tennessee, Erie J. Kruse, AmSouth Bank, Nashville, TN

Midlands, William M. Lien, Wells Fargo Bank Nebraska NA, Lincoln, NE

Mid-Mississippi, Kevin Silence, Union Planters Bank NA, Jackson, MS

Mid-South, John M. Rigby, Summit Bank, Arkadelphia, AR

Minnesota, Gary L. Hansen, AgriBank FCB, Saint Paul, MN

Montreal, Anne-Marie David, RBC Royal Bank, Montreal, PQ

Mountain States, Alan K. Tibbitts, Brighton Bank, Salt Lake City, UT

New England, Paul D. Butler, Citizens Bank of Rhode Island, Boston, MA

New Mexico, Brian S. Templet, First National Bank Santa Fe, Santa Fe, NM

New Orleans, Gregory C. Sibley, Bank One NA, New Orleans, LA

New York, Carl F. Adams, Financial Standards Foundation, New York, NY

North Alabama, John T. McMullan, Colonial Bank, Huntsville, AL

North Central, J. Stephen Blazek, Bremer Bank NA, Fargo, ND

North Texas, James M. Germann, Bank of America, Dallas, TX

Northeast Georgia, Mark Papanicolaou, SouthTrust Bank, Athens, GA

Northeastern Indiana, June M. Grau, Farmers and Merchants Bank, Laotto, IN

Northeastern PA, Joseph D. Angelella, Community Bank NA, Kingston, PA

Northern New Jersey, Charles T. Larsson, New Millennium Bank, Cranbury, NJ

Northern Ohio, Stephen H. Jenkins, Federal Reserve Bank of Cleveland, Cleveland, OH

Northern Utah, Steven L. Gleason, Wells Fargo Bank Northwest NA, Ogden, UT

Orange County, Gary A. Green, California Bank & Trust, Tustin, CA

Oregon-Southwest Washington, Philip S. Carman, BFI Business Finance, Portland, OR

Philadelphia, Joseph G. Keefer, Bryn Mawr Trust Company, Bryn Mawr, PA

Pittsburgh, John K. Duggan, PNC Bank NA, Pittsburgh, PA

Potomac, Sally B. Robertson, Virginia Asset Financing Corp, Fairfax, VA

Puget Sound, Eric C.W. Carlsen, Prime Pacific Bank NA, Lynnwood, WA

Richmond, Randolph R. Shelton, Consolidated Bank & Trust Co, Richmond, VA

River Valley, Christoper M. Pfister, Old National Bank, Evansville, IN

Rocky Mountain, Scott D. Radcliffe, Colorado State Bank, Denver, CO

Sacramento, Hinson M. Thomas, Bridge Bank of Silicon Valley, Rancho Cordova, CA

San Antonio, Mark Outlaw, Compass Bank, San Antonio, TX

San Diego, Gil Evans, Vision Capital Corporation, San Diego, CA

Silicon Valley, Tom R. Greenleaf, Comerica Bank California, San Jose, CA

Singapore, Philip D. Sherman, Deloitte Consulting, Singapore

Siouxland, Terry J. Cleberg, Home Federal Bank, Sioux Falls, SD

South Central Pennsylvania, Patrick W. Cowan, Farmers First Bank, Lititz, PA

South Florida, Tara Lester, Fidelity Federal Bank & Trust, West Palm Beach, FL

South Jersey, Daniel Decker, The Bank, Marlton, NJ

Southeast Carolina, Doris W. McIlwain, Wachovia Bank NA, Wilmington, NC

Southeast Michigan, John W. Suggs, Ford Motor Credit Co, Dearborn, MI

Southern Arizona, Chuck A. Luhtala, Canyon Community Bank NA, Tucson, AZ

Southern, Patricia A. Sandlin, Compass Bank, Birmingham, AL

Southern New Mexico/El Paso, James A. Easley, Wells Fargo Bank New Mexico NA, Las Cruces, NM

Southern Utah, Craig H. Snyder, Wells Fargo Bank, Cedar City, UT

Southwest Michigan, Todd A. Uekert, Fifth Third Bank, Kalamazoo, MI

Southwest Virginia, Keith J. Houghton, FNB Salem Bank & Trust NA, Salem, VA

Spokane, Thomas M. Beil, Wells Fargo Bank, Spokane, WA

St. Louis, John A. Schreiber, Commerce Bancshares Inc, Saint Louis, MO

Tampa, Jeffrey K. Graves, Bankers Bank, Tampa, FL

Texas, Sid W. Copeland, Wells Fargo Bank Texas NA, San Antonio, TX

Toronto, Peter F.J. Heffernan, Scotiabank, Toronto, ON

Triad, Richard E. Morgan, BB&T, Winston Salem, NC

Tri-Counties, Karen E. Clemow, Affinity Bank, Ventura, CA

Tri-Counties, Paul E. Mistele, Mid-State Bank and Trust, Oxnard, CA

Upper South Carolina, Skip Becker, Wachovia Bank NA, Greenville, SC

Vancouver, Shirley-Anne Blackadder, Canadian Imperial Bank of Commerce, Vancouver. BC

Vermont, Jeffrey F. McCanna, Connecticut River Bank NA, Charlestown, NH

West Virginia, Peter W. Jaworski, WesBanco Bank Inc, Wheeling, WV

Western Michigan, Terry L. Bowersox, Crestmark Bank, Grand Rapids, MI

Western Montana, Bradley A. Colberg, First Interstate Bank, Missoula, MT

Western North Dakota, Kim R. Kautzman, Bank of North Dakota, Bismarck, ND

Wisconsin, James L. Tubbs, State Bank of Cross Plains, Waunakee, WI

CHAPTER LEADERS

THE CLARENCE R. REED AWARD FOR DISTINGUISHED SERVICE

Sandra W. Jansky, evp and cco, SunTrust Banks, Inc, Atlanta, GA

CERTIFICATES OF APPRECIATION

These certificates are awarded in recognition of the exceptional contributions these individuals have given to RMA.

For Service as Immediate Past Chair 2001-02

William L. Perotti Jr., group evp & cco, Frost National Bank. San Antonio. TX

For Service as RMA Directors

W. Kendall Chalk, sevp, BB&T, Winston-Salem, NC

Jacob H. Goldstein, pres. & ceo, National Bank of Rising Sun, Rising Sun, MD

Michael J. Litwin, managing dir.--chief credit & risk officer, Merrill Lynch Capital, Chicago, IL

John Nuzum, Jr., sr. credit executive, consumer business, JP Morgan Chase Bank, New York, NY

For Service as RMA Council Chairs & Members of the Board

Harold F. Dietz, evp & ccpo, Bank of New York, New York, NY

2002-2003 AWARD WINNERS

2002-03 PAPERWRITING COMPETITION

The winning papers were selected from those that had taken top honors in competitions held last year by RMA's local chapters. The 2002-03 Paper Writing Competition winners are:

First Place: Joshua Comer, JPMorgan Chase, Austin, TX, Texas Chapter "Interest Rate Swaps: A Banker's Learning Tool--A Quick Look at the Underlying Concepts & Risk Profiles of Plain-Vanilla & Equity-Knockout Interest Rate Swaps"

Second Place: Marie T. Hyder, BB&T, Winston-Salem, NC, Carolinas-Virginias Chapter "Risk Management: A Discipline with Transferable Skills"

Third Place: Sidney T. Rogers. Southwest Bank of Texas, Houston, TX, Texas Chapter "Financing the Wind: Mezzanine Lending in the Wind Power Generation Industry"

Honorable Mention: Marlene Dewanta, National City Bank, Grand Rapids, MI, Michigan Chapter "Native American Gaming Lending"

2002-03 MAXINE ELKIN NEWSLETTER AWARD

RMA's local chapters submitted the two best issues of their newsletters. A panel of judges chose the foul best.

First Place: M. Jo Taylor, Chesapeake Bank of Maryland, Baltimore, MD, editor of "Chesapeake Clips"--Chesapeake

Second Place: (tie) Jim Nordell, Alliance Title Company, Sacramento, CA. editor of the "RMA News"--Fresno

Paul B, Brawner, TCF National Bank, Minneapolis, MN, editor of "The Loan Ranger"--Minnesota

Third Place: Christine Butler, Citizens Bank of Massachusetts, Boston, MA, editor of the "New England Chapter Highlights"--New England

Honorable Mention: David C. Bell. First Citizens Bank, Raleigh, NC. Editor of the "Credit Report"--Eastern North Carolina

2002-03 RMA's STAR AWARD PROGRAM

RMA's STAR Award Program enables leaders of local RMA chapters to evaluate their year's activities and performance and identify areas for improvement. Performance is rated in six areas: organization, planning and administration, education and professional activities, paperwriting, membership, and communications and public relations. (2002-03 Chapter leaders are listed)

PLATINUM LEVEL

Regional

Texas--Sid W. Copeland. Wells Fargo Bank Texas, San Antonio, TX

Large (tie)

Arizona--Sherry L. Poppen, Wells Fargo Bank, Arizona NA, Phoenix, AZ

Pittsburgh--John K. Duggan, PNC Bank NA, Pittsburgh. PA

Medium (tie)

Central Valley--Zandra Morris. Old Republic Title Company, Stockton, CA

Inland Empire--Dann H. Bowman, Chino Commercial Bank, Chino, CA

Small

Tri-Counties--Paul E. Mistele, Mid-State Bank and Trust, Oxnard, CA

International

Toronto--Peter F.J. Heffernan, Scotiabank, Toronto, ON

GOLD LEVEL

Regional

Carolinas-Virginias--John A. DeRito, BB&T. Charleston, WV

Florida--William V. Stanton, Regions Bank, Tampa, FL

Mid-South--John M. Rigby, Summit Bank, Arkadelphia, AR

Southern--Patricia A. Sandlin, Compass Bank, Birmingham, AL

Wisconsin--James L. Tubbs, State Bank of Cross Plains, Wannakee, WI

Large

Atlanta--David F. Clark, Colonial Bank, Dunwoody, GA

Chesapeake--Peter L. Hickling, Sandy Spring National Bank, Olney, MD

Gulf Coast--Tony Ross, Washington Mutual Bank FA, Houston, TX

Minnesota--Gary L. Hansen, AgriBank FCB, Saint Paul, MN

Mountain States--Alan K. Tibbitts, Brighton Bank, Salt Lake City, UT

New England--Paul D. Butler, Citizens Bank of Rhode Island, Boston, MA

New York--Carl F. Adams, Financial Standards Foundation, New York, NY

North Texas--James M. Germann, Bank of America, Dallas, TX

Philadelphia--Joseph G. Keefer, Bryn Mawr Trust Company, Bryn Mawr, PA

Puget Sound--Eric C.W. Carlsen, Prime Pacific Bank NA, Lynnwood, WA

Southeast Michigan--John W. Suggs, Ford Motor Credit Co, Dearborn, MI

Medium

Central Arkansas--Kelly Harbert, One Bank & Trust, Little Rock, AR

Central Indiana--John R. Konkle, Bank One NA, Indianapolis, IN

Central Utah--Sterling W. Orton, Wells Fargo Bank Northwest NA, Pleasant Grove, UT

Charlotte--Wilbert Harper, BB&T, Charlotte, NC

Greater Cincinnati/Northern Kentucky--Mark L. Stahl. Fifth Third Bank, Cincinnati, OH

Kansas--Cheryl L. Irnel, US AgBank, Wichita, KS

Long Island--Theresa Kelly, FleetBoston Financial, Melville, NY

Midlands--William M. Lien, Wells Fargo Bank, Nebraska NA, Lincoln, NE

New Orleans--Gregory C. Sibley, Bank One NA, New Orleans, LA

Northern New Jersey--Charles T. Larsson, New Millennium Bank, Cranbury, NJ

Oregon-Southwest Washington--Philip S. Carman, BFI Business Finance, Portland, OR

Potomac--Sally B. Robertson, Virginia Asset Financing Corp, Fairfax, VA

Richmond--Randolph R. Shelton, Consolidated Bank & Trust Co, Richmond, VA

San Antonio--Mark Outlaw, Compass Bank, San Antonio, TX

Silicon Valley--Tom R. Greenleaf, Comerica Bank California, San Jose, CA

Triad--Richard E. Morgan, BB&T, Winston-Salem, NC

Vermont Jeffrey F. McCanna, Connecticut River Bank NA, Charlestown, NH

Western Michigan Terry L. Bowersox, Crestmark Bank, Grand Rapids, MI

Small

Fresno--John F. Bergman, Kaweah National Bank, Visalia, CA

Upper South Carolina--Skip Becker, Wachovia Bank NA, Greenville, SC

International

Montreal--Anne-Marie David, RBC Royal Bank, Montreal, PQ

SILVER LEVEL

Medium

Spokane--Thomas M. Bell, Wells Fargo Bank, NA, Spokane, WA

Tampa--Jeffrey K. Graves, Bankers Bank, Tampa, FL

Central Texas--Brian J. Anderson, Compass Bank, Austin, TX

Hawaii--Mary A. Weisman. Bank of Hawaii, Honolulu, HI

Sacramento--Hinson M. Thomas, Bridge Bank of Silicon Valley, Rancho Cordova, CA

San Diego--Gil Evans, Vision Capital Corporation, San Diego, CA

Southern New Mexico/El Paso--James A. Easley, Wells Fargo Bank New Mexico NA, Las Cruces, NM

West Virginia--Peter W. Jaworski, WesBanco Bank Inc, Wheeling, WV

Small

Southeast Carolina--Doris W. McIlwain, Wachovia Bank NA, Wilmington, NC

BRONZE LEVEL

Medium

East Central PA--Jeffrey R. Rush, Wachovia Bank NA, Reading, PA

Eastern North Carolina--Matthew C. Grady, Wachovia Bank NA, Raleigh, NC

New Mexico---Brian S. Templet, First National Bank Santa Fe, Santa Fe, NM

Small

Western North Dakota--Kim R. Kautzman, Bank of North Dakota, Bismarck, ND

2003 SPECIAL SERVICE AWARDS

These awards are presented annually to those individuals who have completed, in an exceptional manner, a special project or service for RMA.

Laurissa Ahlstrand, Wells Fargo Institutional Investments, Minneapolis, MN

Denys Alexander, Bank of Agriculture & Commerce, Stockton, CA

Richard B. Bentsen, Lake Bluff, IL

J. Stephen Blazek, Bremer Bank NA, Fargo, ND

Natalye Bollinger, Legacy Bank of Texas, Piano, TX

Terry L. Bowersox, Crestmark Bank, Grand Rapids, MI

Philip Carraro, Royal Bank of Scotland, London, England

S. K. Cheung, HSBC, Kowloon, Hong Kong

Janet D. Cholewinski, Mellon Financial Corp., Pittsburgh, PA

Paul Clark, The Northern Trust Company, London, England

Terry J. Cleberg, Home Federal Bank, Sioux Falls, SD

Bradley A. Colberg, First Interstate Bank, Missoula, MT

Sid W. Copeland, Wells Fargo Bank Texas NA, San Antonio. TX

Richard C. Danford, Bank One, Phoenix, AZ

John A. DeRito, BB&T, Charleston, WV

Harold F. Dietz, The Bank of New York, New York, NY

Jeffrey A. Dvorin, Bloomsbury, NJ

James A. Easley, Wells Fargo, Las Cruces, NM

Gil Evans, Vision Capital Corp, San Diego, CA

Laurie Foster, KeyBank NA, Indianapolis, IN

Allan Gibbel, First Community Financial Corp., Orange, CA

David Giroux, JPMorgan Chase & Co., New York, NY

Gary A. Green, California Bank & Trust, Tustin, CA

Terry Gunter, JPMorgan Chase Bank, Houston, TX

Gary L. Hansen, AgriBank FCB, Saint Paul, MN

Gregory Harmon, Newton, MA

Wilbert Harper, BB&T, Charlotte, NC

H. Lynn Harton, Union Planters Bank NA, Cordova, TN

Donald D. Hensel, Whitney National Bank, New Orleans, LA

Gillian A. Heyward, US Bank NA, Cincinnati, OH

Terry Higgins, Central Trust Bank, Jefferson City, MO

Stephen Huelsman, California Bank & Trust, Tustin, CA

Cheryl L. Imel, US AgBank, Wichita, KS

William Ingram, Frost National Bank, Austin, TX

Myron J. Ingram, Fifth Third Bank, Dayton, OH

Sandra W. Jansky, SunTrust Banks Inc, Atlanta, GA

Kevin Jawahir, Irwin Union Bank & Trust Company, Kalamazoo, MI

Peter W. Jaworski, WesBanco Bank Inc, Wheeling, WV

Stephen H. Jenkins, Federal Reserve Bank of Cleveland, Cleveland, OH

Kathleen M.B. King. Provident Bank, Baltimore, MD

William Kirth, GE Capital. Salt Lake City, UT

Ned E. Klotz, Union Federal Bank of Indianapolis, Indianapolis, IN

John R. Konkle, Bank One Indiana, Indianapolis, IN

Nancy L. Kowalski, KeyBank NA, Columbus, OH

Christopher R. Kunkle, Mellon Financial Corp, Philadelphia, PA

William M. Lien, Wells Fargo Bank Nebraska NA, Lincoln, NE

Patsian Low-Donovan, State Street Bank & Trust Co, New York, NY

Daniel L. Lueken, Cole Taylor Bank, Chicago, IL

Joseph May, University Park, FL

William Tredick McIntire, Boston Global Advisors, Boston, MA

James M. Mulcahy, Manufacturers & Traders Trust Co, Buffalo, NY

Alexander D. Muto, RBC Global Services. Toronto, ON

Sarah Nicholson, Morley Fund Management, London, England

Jim Nordell, Alliance Title, Sacramento, CA

Thomas P. Olson, Ocean Bank, Fort Lauderdale, FL

Antonio de Oyarzabal, Real Instituto Elcano, Madrid, Spain

Jeffrey L. Payne, Freedom Financial Bank, West Des Moines, IA

Christopher M. Pfister, Old National Bank, Evansville, IN

Melissa Pollard, Comerica Bank, Costa Mesa, CA

Joseph T. Potuzak, Wachovia Bank NA, Charlotte, NC

John M. Rigby, Summit Bank, Arkadelphia, AR

Eileen Rodriguez, Wachovia Bank NA, Miami, FL

Rebecca Rouse, Broadway National Bank, San Antonio, TX

Patricia A. Sandlin, Compass Bank, Birmingham, AL

Thomas L. Savage, Wachovia Bank NA, Jacksonville, FL

John A. Schreiber, Commerce Bancshares, Inc, St. Louis, MO

Gregory C. Sibley, Bank One NA, New Orleans, LA

Robert Skurka, First Federal Savings Bank of America, Swansea, MA

Thomas R. Spread, Central Slate Bank, Muscatine, IA

Mark L. Stahl, Fifth Third Bank, Cincinnati, OH

William V. Stanton, Regions Bank, Tumpa, FL

Kenneth J. Stienstra, United Bank of Michigan, Grand Rapids, MI

Martin J. Strischek, SunTrust Banks, Atlanta, GA

Daniel J. Sullivan, Eastern Bank, Boston, MA

Thomas H. Tracy, BankIllinois, Champaign, IL

James L. Tubbs, State Bank of Cross Plains, Waunakee, WI

Todd A. Uekert, Fifth Third Bank, Kalamazoo, MI

Ken Wentzel, Wentzel Consulting Service, Corona Del Mar, CA

John R. Woodward, Manufacturers Bank, Los Angeles, CA

Richard G. Wright, Gretna, LA

COPYRIGHT 2003 The Risk Management Association
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