Volume 9, Issue 6
December 2016
Reflections in
the Quiet of
the Night
OHB’s Skip-A-Loan Payment
In an early evening in mid-November, I had the
pleasure of joining all the OHB staff for a light
supper and conversation at our quarterly staff
meeting. On this occasion we all gathered in the
Board Room at OHB-Stratford where we had
Subway sandwiches and cookies.
Later that evening, I received an email from
OHB President Dustin Riddle who had written me
after the staff meeting had ended:
“Dr. Fisher, Thank you for taking the time to
come to the quarterly staff meeting this evening.
Everyone had a great time. We enjoyed your visit
and after-dinner comments.
“Personally I feel as if we have moved mountains
at OHB in the last 6 months. Everyone tonight
was positive and upbeat. The employees have
really embraced Mark, Mike, and Whitney as well.
“Not that I have ever lost enthusiasm for OHB,
but I can certainly say that I am more excited
about the bank and its future than I ever have
been. I feel that we are surrounding ourselves
with a good nucleus of individuals that promote
not only our growth, but the health of the bank.
Late that evening, I was still ruminating about
Dustin’s perspective. Around midnight I felt I
must respond to Dustin’s email. Here’s my email
response to him:
“Dustin, Your gracious words reinforce my
optimism and confidence in the future of
OHB . . . that future that is both near and far.
“Yes, I agree with you completely that "we have
moved mountains in the past 6 months." But let
me expand your mountain metaphor by borrowing words from MLK's Mountaintop speech:
And He's allowed me to go up to the mountain.
And I've looked over. And I've seen the Promised
Land . . . But I want you to know tonight, that we,
as a people, will get to the Promised Land. So I'm
happy, tonight. I'm not worried about anything.
“The Promised Land for OHB is not simply
completing the new bank buildings or exceeding
our next goal of $200M in Total Assets, or excelling budget each year, our Promised Land is
a "a good nucleus" of "positive and upbeat"
friends working together, respecting each other,
and sharing a vision to "promote not only our
growth but the health of our bank."
“Now we have seen the Promised Land over the
mountaintop and we are nearer to that Promised
Land. And with your steady and capable leadership, OHB will continue on to accomplishments in a Promised Land that we can hardly
imagine as we move together into the future for
the bank and for each of us individually.”
Merry Christmas to all.
R. Darryl Fisher, MD
Chief Executive Officer and
Chairman of the Board
Each December and January OHB offers
its Skip-A-Payment plan so that our loan
customers can skip their regular December or
January payment for auto and personal loans.
It works this way: OHB simply advances
your next payment’s due date to the month
following your skipped payment. You get to
keep your cash that you would have used for
that month’s loan payment. Check with us at
any of our four locations. Certain restrictions
and fees apply (the Skip-a-Payment plan is not
available for mortgage loans).
Mike Jackson Joins OHB as
SVP/Chief Lending Officer
Can Provide Holiday Cash
OHB’s Certificates of Deposits:
Try us for a better deal!
OHB
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Call 580.235.0205
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your CDs.
OHB Introduces MasterCard
with Microchip Technology:
Safer, Smarter and more Secure.
Beginning in December, OHB will be introducing its
state-of-the-art debit card that incorporates a microchip
embedded in the card.
OHB proudly announces the arrival of the new
MasterCard with chip technology. Beginning in
December, all new OHB debit cards will feature a
built-in microchip that will improve the usability
and security of the card. Additional benefits include
greater worldwide acceptance, increased cardholder
security, and MasterCard Zero Liability.
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OHB VP/Ada Branch Manager welcomes Mike Jackson
to the Ada location where Mike will be Senior VP and
Chief Lending Officer.
Mike Jackson brings to OHB his two decades
of banking experience as a lender and branch
manager, with the last 14 years as Senior Branch
Manager and VP of Lending at a local bank.
OHB Chairman/CEO Darryl Fisher recruited
Mike, “His solid career in bank management and
lending experience will enlarge the strong base
of community lending that OHB already provides. And his responsibilities as OHB’s Chief
Lending Officer will facilitate the bank’s growth
and transition to the new facility in North Hills
Shopping Center.”
After graduating from Roff High School,
Mike served 13 years in branches of the US Air
Force and US Army where he graduated from
Oklahoma City University with a Bachelor of
Science degree in Technical Education. In 1987
Mike returned to Ada and to a business career before entering banking in 1996 where he has attended the Oklahoma Bankers Association
Consumer Lending and Commercial Lending
training programs, as well as the OBA’s Intermediate School of Banking.
Mike and Lori Jackson, Associate Judge of the
22nd District Court (Ada), were married in 2011.
They attend St Luke’s Episcopal Church. Mike
has 2 daughters and 3 grandsons. He is a member
of the Delaware Tribe of Indians.
OHB President Dustin Riddle welcomed
Mike as a key member of the Working Group of
senior OHB officers, “In the short time Mike has
been with us at OHB, he has moved seamlessly
into management and lending responsibilities as
Chief Lending Officer. We are honored to have
a banker with Mike’s impeccable reputation join
the OHB family.”
Welcoming Mid-America Technology Center’s
Administration Director of Full-time Programs Mike
Eubank to the November OHB Directors’ Luncheon
are OHB President Dustin Riddle (l.), OHB Director
Don Connally (2nd from l.), Mike Eubank (2nd from
r.), and OHB Chairman/CEO Darryl Fisher (r.).
Whitney Howard Joins
OHB as Credit Analyst
Home Cookin’
A Christmas Tradition Upgraded:
A New Sweet-Potato Taste
Roff’s Morrow Family Picked
as Farm Bureau District 8
Family of the Year
by OHB VP/ Roff Manager Mark Harrel
The standard sweet-potato dish will soon be displaced
on many tables by this delicious upgrade to the typical
sweet-potato marshmallow-laden baked concoction.
Trust me. This sweet-potato recipe will move
this side dish to the center of your Christmas table.
I guarantee that there will be requests for seconds
and thirds. Forget the hallowed baked sweet
potatoes with the gooey toasted marshmallow
topping. You’ll never go back to the sweet
potatoes of Christmases past, once you have tasted
this heavenly treat.
The video recipe at http://allrecipes.com/
video/999/gourmet-sweet-potato-classic/
simplifies making this new holiday tradition.
Adapted from Allrecipes.com 2016
Stonewall’s Halloween
Extravaganza: Trunk or Treat
On Saturday evening, October 29, Stonewall
came together to host the town’s first-ever
Halloween Trunk-or-Treat event at the Stratford
school’s softball fields. A horde of goblins, superheroes, princesses, and aliens (estimated by some
at 600 or more) came out
to collect Halloween
treats provided by local
businesses, school employees, Stonewall Police
Department, townsfolk,
and Oklahoma Heritage
Bank (OHB). The bank
also donated movie
passes to Ada’s Cinemark
Theaters to Best Costume and Best Trunk Decoration winners: Stonewall elementary Teacher Casey
Thomas, dressed as a zombie, won the prize for this
year’s Best Costume. Greg and Buffy Lovelis and
their children dressed
and also decorated their
vehicle to the theme of
The Wizard of Oz to
win as the Best Trunk
decoration.
by Chris Watkins, VP/Branch Manager
A new community tradition
was born in Stonewall this
Halloween when a Facebook-fueled gathering of
goblins,
superheroes,
princesses, and aliens (estimated by some at 600 or
more Stonewall area kids of all ages) appeared to lay claim to
a variety of candies and confections donated by local businesses and townsfolk. It was a fun occasion for all.
STRATFORD
OHB VP/COO Chance Branscum welcomes Whitney Howard
to the Ada location where she began her duties as Assistant
VP/Credit Analyst in early December. Whitney and her
husband Taylor are expecting their first child in January.
In November, OHB welcomed Whitney
Howard. She will be responsible for creditevaluation reports to assist the OHB loan officers
in making decisions on lending and creditworthiness, as well as for determining the terms of
the loan, including interest rate.
Whitney started her banking career in 2012 at
an Ada bank, advancing to Credit Analyst in less
than a year. She graduated from East Central
University in 2012 with a Bachelor’s degree in
Business Administration with a concentration in
Finance and a Certificate of Finance and Banking.
She and Taylor Howard were married in
September, 2013 and live in Stonewall. Taylor is
a Financial Advisor with Edward Jones in Ada.
OHB VP/COO Chance Branscum compliments
Whitney’s credit-analyst skills, “I’ve had the
opportunity of working with Whitney at another
bank and have always been impressed with her
financial-analysis abilities, as well as her
delightful personality.”
Ada High School Class of 1957
Celebrates 59th with
Mini-Reunion at OHB-Ada
The Ada High School Class of '57 gathered for a late
morning of conversation and refreshments in the Board
Room of OHB-Ada on October 18 as the guests of the
bank and OHB Chairman/CEO Dr. Darryl Fisher who
graduated with the three dozen classmates attending.
OHB Chairman/CEO Darryl Fisher hosted
nearly three dozen of his Ada High School classmates (Class of ’57) for a coffee, pastries and
conversation mini-reunion in the Board Room
at OHB-Ada in October. Coordinating the event
were his class mates, Earl Waters, Eddie Wood,
Geneva Kendall Black, and Joyce Phillips.
Plans were discussed for the Sixtieth
Reunion for the Class of ’57 to be held on
October 6 and 7, 2017.
ROFF
R. Darryl Fisher, MD
Mark Harrel
Fred Stephens
New Accounts Representative
Shirley Barnett, Head Teller
Pam Allen, Teller
CEO/Chairman of the Board
Dustin Riddle, President
Assistant Branch Manager
Shirl Wilcher, VP Operations
Director of Communications
Jared Wells
Assistant Vice President/Loan Officer
Deniece Hawkins
Assistant Vice President
Karen Dowing, Loan Processor
Cortney Hatton, Loan Processor
Louise Cagle, Internal Control/Audit
Ann Bonner, Teller
Trey Gilley, Teller
Bailey Boles, Teller
VP/Branch Manager
Breana Burkhead
Mike Jackson
ADA
BYNG
Assistant VP/Credit Analyst
Jericho Allen, Mortgage Loan Processor
Ryan Jolley, Teller/Document Specialist
Rosa Cruz, Receptionist/Teller
Katlyn Barnes, Teller
Joey and Monica Morrow and their four sons,
Lucas, Johnathan, Andrew and Thomas, were
recently honored as the Oklahoma Farm Bureau
(OKFB) District 8 Farm Family of the Year.
Along with the Morrows, three other families from
other state districts vied for OKFB Farm Family
of the Year at the 75th annual OKFB convention
held at the Cox Convention Center in Oklahoma
City(Nov. 11). The Maschino family of Guymon
was named the OKFB Family of the Year at
the event.
The OKFB Women’s Leadership Committee
sponsors this annual program to recognize farm
and ranch families who embody the best
traditions of Oklahoma agriculture and rural life,
such as strong family involvement in all phases of
farm management and production, innovative
family-farm operation and management, modern
agricultural techniques, as well as active leadership in the Farm Bureau, the community, and other
agricultural groups.
The Morrows run a cow/calf operation and also
grow wheat, hay and canola on their farm
near Roff. They are transitioning to a no-till
management that will improve the soil health
while providing erosion control. “Joey loves
farming,” says Monica.
Joey and Monica are in agreement that a farm
is a great environment to raise kids, taking care of
cattle and crops. “We are able to know them better
as they grow up,” Joey said. “We get to instill
values that they’re going to need throughout
life.” Monica agrees, “Joey has a tremendous
work ethic that is being passed down to the boys.”
Monica works off the farm as a kindergarten
teacher at Latta, where she is the 2016-2017
District Teacher of the Year. Joey and Monica are
both active in their local church, where Joey serves
as a Deacon. Joey also serves on the Fitzhugh city
council and is a volunteer fireman. Through all
the work and dedication to farming and teaching,
Joey and Monica hope to provide their boys with
an opportunity to continue the family’s farming
tradition. Given the quality of this couple, it is a
good bet that they will. “We’re very thankful for
what God has blessed us with,” Monica said.
Congratulations, Joey and Monica, on a
great and deserved honor. Also, thank you for
being an example of what makes Oklahoma rural
communities great.
Chris Watkins
VP/Branch Manager
Madonna Penick
New Accounts Representative
Carla Campbell, Loan Processor
Susan Overall, Teller
Rachel Nichols, Teller
Senior VP/Chief Lending Officer
Kaci Kennedy, Teller
Chance Branscum, VP/COO
Julia Jack, VP/Branch Manager
Kim Streetman, Assistant Vice President
Loan Administration Supervisor
Whitney Howard,
OHB VP/Roff Manager stands with longtime Roff resident
Joey Morrow in one of the fields on the Morrow farms hear
Roff. Joey and his wife along with their sons were honored by
selection as the Oklahoma Farm Bureau (OKFB) District 8
Farm Family of the Year.
BOARD OF DIRECTORS
R. Darryl Fisher
Chairman of the Board/CEO
Bo Cail, Director
Wayne Cobb, Director
Don Connally, Director
Phyllis Danley, Director
Rick Griffin, Director
Ron Tidwell, Director
Advisory Directors:
Chance Branscum
Keri Coleman Norris
Dustin Riddle
Chris Watkins
Eric S. Fisher, Sr., Esq., General Counsel