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Experience Profile

David Gaddis’ business knowledge spans five decades with over 25 years of executive level experience.  From his first bank job rolling coins in the cash vault at the Austin National Bank, while attending the University of Texas in 1968, to CEO of a growing publicly held financial holding company, his solid base of experience can benefit your organization.  Highlights include:

            President and CEO

· Transitioned bank from one focused on tradition into a growing, progressive financial institution.

· Increased shareholder value from approximately $8 per share to over $40 per share.

· Grew assets from $400 million to over $800 million.

· Formed holding company and listed on NASDAQ.

· Grew loan portfolio from $130 million to over $500 million while maintaining asset quality.

· Grew deposit market share from 1994 to 2003 by over 48% in a diverse $1.2 billion market

             which grew by only 8%, moving from less than 30% to over 40% market share.

· Expanded from two to ten locations in diverse markets.

· Reduced number of shareholders from over 900 to less than 200 by planning and implementing a going-private transaction including a $22 million stock repurchase,

· Led initiatives to develop new services including internet banking, brokerage services, insurance sales, free checking, check imaging and cash management.

· Implemented sales culture through strategic hiring and goal oriented accountability system.

 

Executive Vice President/Chief Operating Officer

· Enhanced financial management capabilities and guided bank through asset quality improvements

· Implemented cost center based budget and asset/liability management modeling system.

· Supervised operation and sale of diverse assets acquired through foreclosure, including a television station, radio station, feedlot and numerous parcels of other real estate, and mineral interests.

· Formalized methodology for assessing adequacy of allowance for loan losses.

· Planned and implemented conversion from a service bureau environment to an in-house   data processing system.

 

Senior Vice President, Operations Division

· Improved delivery systems and accountability for non-interest income.

· Spearheaded development and deployment of bank’s first ATM network including site selection, lease negotiations, marketing, installation, maintenance and operations.

· Implemented first check settlement system for local clearinghouse association, improving availability and streamlining delivery of local checks.

· Implemented accountability system for service charge waivers and deposit rate variances.

· Guided bank through two data processing conversions including implementation of online teller system and loan and deposit platforms.

 

Vice President/Loan Review Officer

· Established bank’s first independent loan review function and served as compliance officer.

· Modernized loan supervision processes.

· Supervised workout credits and managed Other Real Estate Owned.

· Designated liaison with regulators and external auditors.

 

                                                                   

             Successful record of progressively increasing levels of responsibility as a bank regulator.

· Conducted and assisted with examinations of over 100 banks and three charter investigations for banks throughout Texas and Oklahoma.

· Managed two crews of examiners and regulatory supervision of 38 banks in South Texas as Sub-Region Examiner in Charge.

· Managed examination crew as Field Examiner in Dallas area including loan portfolio examinations of large banks in Dallas and Houston.

· Regional Analyst in Dallas Regional Office with designated signature authority for Regional Administrator.

Phone: (512) 280-6160

Fax: (512) 280-6734

E-mail: dgaddis@experisource.com

On the Web at: www.experisource.com

 

ExperiSource Consulting Resources, L.P.

10202 Shinnecock Hills Drive

Austin, Texas 78747

To contact us:

Experience you can count on.