CHARLIE R. CAMERON
Mr. Cameron serves as Chief Executive Officer at NBA, Inc. He is a Certified Public Accountant with a combined twenty-plus years “Big 4” public accounting and industry experience, including twelve years of experience with a multi-bank holding company. Mr. Cameron joined NBA, Inc. in August 1999.

Until joining NBA, Inc., Mr. Cameron was with Magna Group, Inc./Union Planters Corporation, both as an officer and consultant from 1988 to 1999. During this tenure he was primarily responsible for the supervision of staff and the direction of corporate tax functions, including return preparation, managing tax audits, and researching and planning tax strategies. At Magna, he was credited for the creation and implementation of numerous tax strategies resulting in substantial increases to Company earnings. He was also involved in accounting and planning for mergers and acquisitions.

In addition to his management duties at NBA, Inc., his responsibilities include serving clients in the areas of tax, strategic planning, mergers and acquisitions, executive searches, stock valuations and administrative action assistance.

Mr. Cameron is a graduate of Southern Illinois University at Carbondale, Illinois, with a Bachelor of Science in Accounting. He received his CPA designation in May 1985, and is a member of the American Institute of Certified Public Accountants.

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THOMAS W. HAGAR
Mr. Thomas Hagar serves NBA, Inc. as Executive Vice President—Credit Management Services. Mr. Hagar has over 27 years of experience in the banking industry. During his banking career, Tom has served in management roles with multi-billion dollar publicly traded banks as well as privately held community banks in and around the St. Louis area. Mr. Hagar’s particular areas of expertise are commercial lending, credit administration, and risk and portfolio management.

Tom’s career began in 1982 with Mercantile Bank, N.A. where he received his formal bank training and served in the areas of operations, accounting, collections, and consumer and retail lending. In 1992, he joined Pioneer Bank and Trust where he held the title of Senior Vice President and Senior Lending Officer to assist in the turnaround efforts of a troubled financial institution. In 1998, Mr. Hagar joined The Centennial Bank as Executive Vice President and Senior Lending Officer where he served until the bank was acquired in 2001.

Later in 2001, Mr. Hagar organized and chartered a federally insured and state chartered financial institution known as FirstService Bank in St. Louis Mo. He held the position of President and Chief Executive Officer and also served as Chairman of the Board. Mr. Hagar lead the organization for nearly seven years before the Bank was acquired by a regional investment banking firm.

As EVP of Credit Management Services, Mr. Hagar oversees the firm’s loan review and asset recovery departments, in addition to providing other management consulting services to our clients. Mr. Hagar’s extensive background in overall banking operations combined with his expertise in the areas of lending, administration, and risk management allow Tom to provide a unique perspective as well as focused solutions to the challenges and opportunities facing the banking industry today.

Mr. Hagar received a Bachelor of Science Degree in Management/Finance from Maryville University in 1992 and is a graduate of the National Commercial Lending School at the University of Oklahoma in 1993.

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JAMES W. ETHERTON
Mr. Etherton serves as Executive Vice President and has more than thirty years of experience in the banking industry.  His particular areas of expertise are internal audit functions; compliance regulations; electronic data processing, including ATMs; general operational functions and procedures; policies; and, profit improvement.  He joined NBA, Inc. in 1988, and currently heads the firm’s internal audit and compliance department.  Mr. Etherton also directs the firm’s compliance training program.  In addition, he has served as project manager for numerous special engagements, including due diligence projects and assisting banks under regulatory administrative action agreements.

Prior to joining NBA, Inc., Mr. Etherton held several positions of responsibility in the area of internal auditing including the direction, supervision, implementation and reporting of internal audit scopes for six community banks and a holding company with total assets of $250 million and a $150 million trust company.  For six years he served as liaison for an ATM proprietary network located in the State of Illinois and coordinated efforts of the 19 banks in the proprietary network which utilized 40 ATMs.  For two years Mr. Etherton served on a committee of a Users Group to develop an audit scope for a national electronic data processor for trust companies.

He is a member of the Institute of Internal Auditors and is a graduate of McKendree College with a degree in accounting and economics.

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DENNIS P. LAMEY
Mr. Dennis Lamey serves as Executive Vice President and Senior Consultant at Norman Backues & Associates, Inc.  He has twenty-eight years of experience with the Comptroller of the Currency, principally as Field Manager of the Evansville, Indiana office of the Central District, where he oversaw supervision of nearly sixty national banks.  These banks were located in southern Illinois, western Kentucky, and southwestern Indiana, and included several banks under special supervision.

In 1997, Mr. Lamey assumed the position of President of Citizens National Bank, Illinois Division of Citizens National Bank of Evansville, Indiana.  As President, he supervised five banks in southern Illinois until 1999, when he was named head of Regulation and Compliance for Citizens (then Civitas Bank) in their Evansville office.  In 2001, after the acquisition of Civitas by Fifth Third of Cincinnati, Ohio, Mr. Lamey became head of Private Banking for Fifth Third Bank in Evansville.

Mr. Lamey joined Norman Backues & Associates, Inc. in October 2002.  He brings a wealth of experience in working with bankers and regulators and can offer unique solutions for banks facing today’s challenges and competition.

Dennis Lamey earned his Bachelor of Science degree from Indiana University in 1969.  He completed the Graduate School of Banking at the University of Wisconsin and the Commercial Lending School at the University of Oklahoma.  He has also taught classes in communications for the Comptroller of the Currency as well as for Citizens and Fifth Third Banks.

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RICHARD M. CHAMBERS
Mr. Richard (Rick) Chambers serves as Executive Vice President and Senior Consultant at NBA, Inc.  Mr. Chambers has had a successful career in banking spanning over 35 years.

His career began at the Old National Bank of Centralia, Illinois (now US Bank) with responsibilities in the consumer and commercial loan areas.  He later joined Citizens Bank of Illinois (formerly the First National Bank of Effingham) as Executive Vice President with responsibilities in the lending and operations areas.

In 1995, he became a Regional President for Citizens Bank of Illinois, a division of Citizens Bank of Evansville, Indiana.  In 2000, through the acquisition of Civitas Bank (formerly Citizens Bank of Evansville), Mr. Chambers became a Senior Vice President, Regional Manager with responsibility for the operations of ten banking centers in southern Illinois and southwestern Indiana.

Mr. Chambers’ leadership and executive skills add strength to our consulting team in the areas of strategic planning and special projects.  Further his extensive background in commercial lending and credit administration further strengthen our loan review team.

Mr. Chambers is active on numerous civic and community associations.  Presently, he serves as President of the Effingham County Civic Foundation, a private economic development foundation, ARC Community Support Systems Foundation as Treasurer, St. Anthony of Padua Catholic Church as Trustee, and St. Anthony Memorial Hospital as a Board Member.

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TERRY RISLEY
Mr. Terry Risley serves as Senior Vice President ? IT Services NBA, Inc. He has over twenty-five years of prior experience in the financial services industry as an IT audit specialist and risk management consultant. He also has over fifteen years experience in bank operations and application systems evaluations. As an auditor and consultant, he gained diverse experience in both small community banks and large banks with assets of several billion dollars while gaining extensive training in information technology (IT) and operations management.

Mr. Risley joined NBA, Inc. in March 2009. He is primarily responsible for serving clients in the areas of IT audit and risk management. His experiences performing IT risk management evaluations within the financial services industry makes him uniquely qualified to assist our clients with IT and customer information security risk assessments, as well as completion of information technology audit procedures evaluations in accordance with Federal Financial Institutions Examination Council (FFIEC) guidelines. In addition, Mr. Risley?s strong analytical and assessment skills and experience in the areas of operational procedures and controls, financial services application controls and system implementations, further strengthen the quality of our staff in the IT controls assessment area.

Mr. Risley has a Bachelor of Science degree in Accounting and Finance from Southern Illinois University - Carbondale. He has previously worked in an IT risk assessment role at PricewaterhouseCoopers and MasterCard International. He has also obtained his Certified Information Systems Audit (CISA) certification.

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JAMES L. SNYDER
Mr. James Snyder serves as Vice President and Senior Consultant at Norman Backues & Associates, Inc. (NBA, Inc.).  Mr. Snyder has thirty years of experience with The Office of the Comptroller of the Currency (OCC) as a bank examiner assigned to the Evansville Field Office of the Central District.  As an examiner, a large portion of his work was concentrated in the  credit risk management/loan review areas working with regional and community banks, including several such banks exhibiting severe weaknesses and under special supervision.  His assignments as an examiner also included several international and money-center bank examinations. 

Mr. Snyder began his banking career in 1966 at the Citizens National Bank of Evansville, now Fifth Third Bank, in the operations department.  He was manager of bookkeeping and transit department when he left the bank in 1974 to join the OCC.

He joined NBA, Inc. in 2004.  His duties include loan review and credit risk management, as well as assisting banks under various forms of regulatory administrative actions.  Mr. Snyder’s experience as an OCC examiner and his strong commercial and agricultural  loan analysis skills compliment the experience and skills of other NBA, Inc. associates to better serve the firm’s clients.

Mr. Snyder has an Associate of Arts degree in accounting and business administration from Lockyear’s Business College in Evansville in 1966.  He is also a graduate of the Louisiana State University Graduate School of Banking in Baton Rouge.  He has also attended numerous banking education courses offered by the federal government inter-agency offices.

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BARBARA A. GUTRIDGE
Ms. Barbara Gutridge currently serves as Vice President/Senior Audit Manager at Norman Backues & Associates, Inc.  Ms. Gutridge began her banking career in 1978 in the Operations Department of a large bank.  In 1980, she moved to the Audit Department where she served as Internal Auditor for three years.  Thereafter, she served for six years as a Liquidation Assistant with the Federal Deposit Insurance Corporation.  In her duties with the FDIC, she supervised account officers and clerical personnel in the liquidation of FDIC acquired assets.  She also served as Pro Forma Manager at numerous bank closings.

Ms. Gutridge joined Norman Backues & Associates, Inc. in 1991 as an Internal Audit Consultant.  Since joining the firm, she has participated in numerous ongoing internal audit and compliance engagements.

In her capacity as an auditor for financial institutions since 1980, she has completed a number of information technology (IT) audits.  These assignments have included audits of outside data processing systems, such as EDS, FiServ, and CSI, as well as in-house systems utilizing software systems such as Precision, IT, and Jack Henry.  Such audits also included assessments of local area networks.  These IT audits have generally followed FFEIC guidelines and have included testing and assessment of internal, external, processing, security, and other controls.  Ms. Gutridge has also completed several special engagements in the IT area, including extensive work related to Y2-K and internet banking.

Ms. Gutridge received a Bachelor of Arts degree in 1974 and a Masters of Business Administration degree in 1981.

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JIM S. LOPINSKI
Mr. Jim Lopinski serves NBA, Inc. as Senior Manager—Assurance Services. Jim has more than thirty-six years of experience in public accounting and private industry, primarily in the banking industry. His particular areas of expertise are external audit, risk assessment and internal audit functions; compliance regulations; general operational functions; and operating policies and procedures. He joined NBA, Inc. in 2009 and currently heads the firm’s external audit department and quality control function. Mr. Lopinski has experience in working with the various regulatory agencies, bank boards, and the Resolution Trust Corporation.

Prior to joining NBA, Inc., Mr. Lopinski held several positions of responsibility in the areas of external and internal auditing as Senior Manager – Business Risk Services for national and regional CPA firms. His duties included the direction, supervision, implementation and reporting of external and internal audit scopes; financial reporting, risk assessments, and internal control consulting for various financial institutions from $100 million to over $1 billion in asset size. Mr. Lopinski also has experience as Senior VP Business Development, Corporate Treasurer, and VP Finance for a billion dollar savings bank.

Mr. Lopinski is a graduate of the University of Illinois – Champaign/Urbana with a Masters in Business Administration and a Bachelor of Science in Accounting. He received his CPA designation in February 1974. He is a member of the Illinois Society of Certified Public Accountants, the American Institute of Certified Public Accountants, and the Institute of Internal Auditors.

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