17 October 2016 Family Heritage By



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Chapter 6

1985 - 2008

I accepted a position with Worthen Bank & Trust in Little Rock, Arkansas, and we moved to the bedroom community of Maumelle on February 15, 1985. Our home at 5 Hornrimme Place was a 2,230 SF four bedroom brick house, and cost $118,500, with a mortgage of $80,000. (we had sold our Lynette home for $ 63,000). We built our home at 31 Chatel Drive in 1996. The house would be 2,900 SF, two story five bedroom brick home, and cost $227,000, and a mortgage of $145,000. We sold this house in 2005 for $307,000, and Superior Bank paid for all the closing costs and relocation expenses to Birmingham.


I began work at Worthen Bank & Trust on December 3, 1984. By the end of that first day, I was appalled at the lack of procedures and controls, the casual work ethic, and poor loan underwriting. I had learned my lesson, however, and kept my opinions to myself. On April 8, 1985 the bank wired $52 million to a securities firm in New Jersey that, without any prior indication of financial difficulty, took bankruptcy thirty minutes later. Worthen’s entire capital base was wiped out, and we were on the verge of being shut down by the Federal Bank Examiners. The deep pockets of the principal owner, Jack Stephens, however, kept the doors open. The Executive Management of the bank was fired, new people came in, and then the real problems surfaced. Over the previous two years, the bank had made over $150 million in bad loans that had to be charged off. The lack of procedures that I saw that first day had crippled Worthen. The stock price plummeted from $36/share to $4/share over eighteen months. We started to re-engineer the bank, with new procedures, loan policies, forms and people. We had to go out quickly and tell valued customers the new way we had to do things, requiring much more information to substantiate the repayment of their loans. I displayed the tact, patience and loyalty that I lacked in Amarillo. By the early 1990s the banking industry had cleaned up alot of its loan quality problems, and the next phase was consolidation.
In 1994 Worthen was acquired by Boatmen’s Bankshares out of St. Louis because Worthen didn’t have the capital to invest in the necessary computer infrastructure to compete. In August 1996 Boatmen’s was in turn acquired by NationsBank, formerly North Carolina National Bank out of Charlotte. NationsBank promoted me to Executive Vice-President managing Commercial Banking for not only Little Rock, but the surrounding markets of Hot Springs, Pine Bluff and Conway. My role was to manage a loan portfolio of $500 million consisting of commercial clients with annual sales between $4 million and $250 million. I had fifteen account officers, and fifteen support staff reporting to me. Then in 1998 NationsBank merged with Bank of America, and suddenly I was working for the largest bank in the United States, with over 170,000 employees world-wide. In 2001 my position was moved to St. Louis, but I didn’t want to relocate, so Bank of America generously offered me a severance package of one year’s salary. I interviewed at a number of places, and accepted the position of Chief Credit Officer at Superior Bank, with another 20% increase in salary . This was a great job, and in May 2003 Arvest Bank and its owner Jim Walton (the son of Sam Walton, the Wal-Mart founder) purchased Superior Bank
In 1988 Worthen gave me a membership at the Pleasant Valley Country Club (#2400). I had never before even had a golf club in my hands, so I took some lessons, hit countless buckets of balls at the practice range, and started playing about once a week. It is hard to pick up a sport as an adult, and it was several years before I felt comfortable on the course. I play about twenty-five rounds a year, and prefer to walk and carry my bag because the pace of play is slower, plus I believe walking is the essence of the game (I usually walk 18 holes in about 2 ½ hours). One of the joys of golf is being the first to tee off early in the morning, and walk down the fairway to my ball, and glancing back to see a trail of my footprints in the dew. The game has a wonderful rhythm, feeling the grass as you walk and listening to the wind. Your real competition is yourself, because when you are playing well you know it must end, and when you are playing poorly you think it never will. I love to go to the practice putting green after supper in the summer, and just putt for an hour as the setting sun brings out the soothing shades of green on a golf course. The common denominator of all golfers around the world is neither the courses nor the equipment, but the USGA Rules of Golf. I consider uncompromising adherence to the Rules (especially 13-1 “play the ball where it lies”) more important than my score at the end of a round. A low score reveals talent and experience, complying with the Rules when no one is looking reveals character (one reason I may be so philosophical about this is that I have a 18 handicap!) My dream is to play a round of golf at Pine Valley, New Jersey; St. Andrews, Scotland; and Augusta, Georgia.
I used to go duck hunting about five times a year. Bank of America hosted several duck hunts each December and January, and we would invite valued clients to various commercial private hunting lodges near Stuttgart, Arkansas such as Double Deuce, Five Oaks, Prairie Wings, and Circle T. It was great camaraderie to be served a steak dinner with about fourteen men, then sit and visit about each other’s businesses in a great room with a big screen TV and a blazing fire until 10 p.m. You are awakened at 5 a.m., go to the boot room and put on your camouflaged neoprene waders and jacket, and the guide drives you over trails to the launch point. There your group gets in a small jonboat and motors in the darkness to a duck blind in timber or a steel pit in a rice field. Arkansas is a haven for ducks migrating south each year from their breeding habitat in Canada. The waste rice from the autumn harvest, and the acorns from nut tall and willow oaks are the preferred food for ducks. The essence of duck hunting is standing knee deep in water in flooded timber when the air temperature is about 30 degrees. After taking my position next to a tree I would lock and load three shells into my 12 gauge shotgun, a Remington model 870, and wait silently and motionless as the guide “calls” the ducks into our hole. It is spectacular to see the aerial acrobatics of a group of mallards with the rosy fingers of dawn as a backdrop. When they work to within forty yards the guide yells “take ‘em” and you push the safety off and fire away! The stillness of the morning is suddenly punctured by the echoing of shotgun blasts. The unbridled enthusiasm and power of the Black Labrador lunging through the water to retrieve the fallen ducks is a sight to behold. The three hours waiting for ducks passes quickly when a storyteller is in your midst. Classic tales like “De Shootinest Gent’man” by Nash Buckingham are retold each hunting season. When you have bagged your limit, you return to the lodge where the men regale each other with all the funny moments from that morning’s hunt over a huge breakfast the cooks have prepared. I take home and cook every duck I shoot. My dream is to one day shoot and mount a wood duck with its dazzling colors.

We tried to create a world of security, grace, and beauty and for the girls so their personalities would be shaped by what is good. The time period that captured their fancy was the Edwardian era, circa 1910. Their dolls came from American Girl collection. “Anne of Green Gables and Anne of Avonlea” videos, and the Walt Disney films “Pollyanna”, and “Mary Poppins” portrayed the elegance of the period, and the strong family relationships and respect for authority that existed. Another movie that shaped their view of the world was “The Sound of Music”. I would guide us as a family to watch certain old movies from the ‘30s and ‘40s on the cable TV stations American Movie Classics, and A&E. These movies would have uplifting themes which I hoped would reinforce for the girls the values we were teaching them. The CBN Christian animated cartoons “SuperBook” and “Flying House” came on each morning at 6 a.m. I would begin recording each day, and after Kambry and Ashlyn finished breakfast they would go into the TV room and watch that day’s episodes. I did this to visually introduce them to Bible teachings. The greatest impact on the girls though was having their Mother home with them all day. This meant that they could arise when they woke up. They would eat a good breakfast and not be rushed. Nancy would take them to one of the many parks in our neighborhood in Maumelle to play with other children. In the summer, they would spend almost every afternoon at the swimming pool. I will always be grateful to Nancy for being such a wonderful full-time Mother, a much harder job than any other career.


Another indelible influence on Kambry and Ashlyn’s worldview has been Brookhill Ranch Summer Camp near Hot Springs. Starting the summer after their 4th grade year, they attended this camp run by Hettie Lou Brooks and her family, spirit-filled believers who see this as a ministry. When we picked Kambry up after her first time there, Nancy and I weren’t sure she would like it because she was such a homebody. But she was so excited about her week long experience that for three days she wanted to relive every moment there ”Daddy, ask me what I did Tuesday afternoon”, “Daddy, ask me what I had to eat Thursday night”, “Daddy, ask me what my activity was each morning.” Ashlyn tells us how much she missed us each year when she asks “Can I stay another week?” Both girls loved and admired many of the high school and college counselors, and I am pleased that Kambry and Ashlyn had great role models like that at an age when Mother and Daddy weren’t “cool”. Kambry’s desire to attend Baylor University was due to her observing the Christian character of the college-age counselors at Brookhill, many of whom were attending Baylor. I’m also gratified that the girls’ image of a Christian young man was also formed in large part by being around quality Christian young men who were counselors at camp. It is reassuring to a parent that an experience like Brookhill has such a positive impact on your child’s spiritual life. Ashlyn accepted Jesus as her Savior at Brookhill on June 18, 1998, which makes it even more meaningful.
Nancy and I have taken several memorable vacations with the girls. The first was driving back to New Jersey from Little Rock in October 1986. We didn’t have much money, so Nancy sold “Christmas around the World” items at people’s houses 3 nights/week for 2 months, and the $600 she saved paid for our trip. We stayed at Super 8 motels, ate at “Shoney’s” and drove through picturesque horse farms in Kentucky, and toured Monticello and Williamsburg (where we ate spoon bread at “Christiana Campbell’s Tavern”). We were astonished at how many different crops were being harvested on our trip there and back. Another trip was in July 1999 when we flew into Philadelphia,, got a rental car to drive to Bridgeton and the beach at Ocean City, then on to New York City. We stayed 2 nights at the Plaza Hotel, saw “Phantom of the Opera” on Broadway, visited Ellis Island, the New York Stock Exchange, Empire State Building, and Times Square. Early one morning Kambry and I ran 4 miles through Central Park. We then drove up to West Point to show the girls the Military Academy, then through Connecticut to Newport Rhode Island, where we rented a sailboat going out into Narragansett Bay, and went on the Cliff Walk. The last leg of the 2 week trip was up to Boston, where, among other things, we went to Fenway Park to see the Red Sox play a ball game, and walked the Liberty Trail up to Bunker Hill.

In March 2003 we flew to Honolulu, and the first night there we celebrated Ashlyn’s 19th birthday by having dinner at the Surf Room at the Royal Hawaiian Hotel, then the next day we took a 30 minute Hawaiian Airlines flight to Maui. We stayed 6 nights at the Ka’anipali Beach Resort, went snorkeling at Molokini, drove to the top of Haleakala to see the sunrise, then continued on the “Road to Hana” with Nancy and Ashlyn in the front seat of our Dodge Sebring convertible, and Kambry and I in the back seat whining until we stopped at the “Halfway to Hana House” at mile marker 17 to get fresh banana bread and Guava juice.

Nancy and I flew to Europe in July 2004 to celebrate our 30th wedding anniversary. We met Ashlyn in London, where she was part of the 6 week “Baylor in Great Britain” program (as Kambry had done 2 years earlier). Nancy and I toured the Houses of Parliament, Westminster Abby, Trafalgar Square, St. Paul’s Cathedral, the Tower of London, and we dressed up to attend a BBC Proms Concert at Royal Albert Hall. We used our Hilton Honor points to stay six nights free at the Hilton London Hyde Park on Bayswater. We made day trips via train from Paddington Station (“Mind the Gap”) to Hampton Court, Windsor Castle, and Bath. Then we took the Chunnel to France, checked into the Hotel Mayfair Paris just off the Concorde Plaza, walked up the Champs de Elysee to the Arch de Triumph, then to the Eiffel Tower, and that evening went on an evening cruise up the River Seine. The next day to the Louvre and Notre Dame, then a day trip to Versailles where Nancy got embarrassed when, as we were walking up to the palace, she absentmindedly took what she thought was my arm, but turned out to the be arm of a complete stranger! Late the next afternoon we boarded a sleeper train to Salzburg, Austria. We left Paris at 5:15pm from the Gare de l“Est, enjoyed the countryside until dark, and the porter woke us up at 4:44am to serve a continental breakfast in our compartment. In Salzburg we went on a “Sound of Music Tour”, attended a dinner/concert of Mozart music, and decided that this was the highlight of our trip.

We returned to Maui in September 2007, this time with Brian, using Delta Airlines frequent flyer miles for all five tickets. The first night in Honolulu we used our points to stay free and the Hilton Hawaiian Village. The next morning I got up at 5:30am to go for a walk before everyone arose. I was strolling on Waikiki Beach, when in the early dawn I saw someone coming out of the water. I thought to myself, “who would be swimming this early in the morning?” I was astonished to see it was Brian, so I asked him what he was doing, and he replied with a grin “I may never make it back to Hawaii, so I wanted to say that I had gone swimming on Waikiki”. After touring Pearl Harbor and lunch at the Surf Room at the Royal Hawaiian Hotel, we flew to Maui and we stayed at our timeshare at the Sands of Kahana.


My cars have been a 1973 Mercury Montego, 1980 Chevrolet Chevette (the worst car I ever bought – part of GM’s response to the oil crisis of the mid-70s, this first fuel efficient auto from Detroit only had 71 hp, and rattled. After my bad experience with this car, I would never again buy an American made car), 1983 Audi 4000 Diesel (used), 1992 Toyota Camry and then a 2002 Toyota Camry. Nancy has driven a 1971 Ford Galaxie 500, 1984 Ford AeroStar Van, 1988 Ford AeroStar Van (the 1984 was a lemon), 1996 Dodge Caravan, and a 2003 Toyota Sienna. Before the girls went to college we bought them each a new Honda Accord because I wanted them to be safe driving the approximately 400 miles from Little Rock to Waco, Texas to attend Baylor University.
After Ashlyn graduated from Baylor, she worked at various jobs, but didn’t have a peace. After a lot of prayer we decided she should attend Texas Women’s University to obtain a Texas Teaching Certificate in elementary education. Nancy and I helped her financially, but as I told her, I wasn’t subsidizing her, rather I was making an investment in the children she would teach in the future.
Nancy and I moved into 695 Lake Crest Drive, Birmingham, Alabama on July 10, 2005. ($425,000/ 2,900 sf) I had begun work at Superior Bank of Alabama on January of that year as the Chief Credit Officer. My former CEO of Superior in Arkansas had asked me to relocate with him and 3 others to form the new management team, with the promise of 186,000 stock options and a 3 year severance package. The plan was to acquire 3 banks in Florida, then sell the bank in 3-5 years, and move back to Little Rock. Early on, however, the CEO and I had disagreements about making aggressive real estate loans. I thought is too risky, and he thought we could sell the bank before any loans went bad. By September 2008 our differences became too great, and he asked me to leave the bank with a one year severance package. It was a real blessing, because six weeks later the bank got into loan trouble, had to take TARP money from the government which meant no severance packages to departing executives. After a short break, in which Nancy and I vacationed in Savannah, Georgia and Charleston, South Carolina, I started doing consulting work for banks in the Atlanta area.
A blessing the Lord gave me was to participate in short-term mission trips. Since I was conversant

in Spanish, I could share the gospel with the people we were privileged to be Jesus’ hands and feet. March 2004 Honduras Construction trip

June 2004 Honduras Medical trip

May 2007 Honduras Medical trip

April 2008 El Salvador clean-water drilling trip

June 2009 Nicaragua clean-water drilling trip




El Salvador Living Water Trip - 2008
Friday July 4

I flew from Birmingham to Houston on Continental Express 2-1 plane, and stayed Friday evening at the Hilton Garden Inn on JFK Blvd. just outside the George Bush International Airport using my Hilton Honor points. Since I didn’t know anyone on the team, I just looked for people with LWI shirts.



Saturday July 5

Met the team at Terminal E of the airport – Don Parker (30) Team Leader, Jonathan Magnus, Lois Henry (3), Greg Eddlebrook (3) and Doug White (they were both professional engineers with Shell), Celia Tirador, Eli Ramirez, Joe Torres, Matias Perez. We sat on the plane for one hour because of mechanical problems, then had to change planes and gates. Arrived in the San Salvador Airport after a flight of 2 hours 40 minutes on a Continental 3-3 plane, and a time change. We loaded our luggage on top of a Toyota van, and it rained on us, so we thought our bags would be soaked, but they weren’t. It took 2 hours to drive on CA-8 to our location, Oasis Beach Lodge at Salanitas, a series of bungalows rented out for $100/person/week. On the horizon we could see freighters steaming in and out of the port of Acajulta. I roomed with Jonathan, Doug and Greg. That evening Don gave us the Rules of Engagement, and asked us to tell 2 things no one would guess about us. We also talked about how to witness, and an effective opener is to ask “what are your dreams” Several of the men are from Sugar Creek Baptist Church, in Sugarland, Texas, which is where LWI founder Harry Westmoreland attended. Trip cost $1800.



Sunday July 6

I got up at 6:00 am to have devotions, at breakfast I learned about ultra high temperature (UHT) milk, then we drove to a small, local church service Tabernaculo Biblico Buatista – Amigos de Israel (a branch of the main church in San Salvador that has over 5000 attend each week. The pastor is on TV and radio). This county church had a tin roof, dirt floor, and the women had uniforms of a white blouse (with the church logo) and blue skirts) and entire service was in Spanish. When we got back to Salanitas, it was low tide and we could walk out to the rock outcropping 100 yards from shore where a 10 ft. white statue of Jesus had been erected. At the high tides of 6am and 6pm the waves crash against the stone retaining wall so loudly at first I thought it was thunder. That afternoon we went out to the drill site to set up. It is located at an aldea called Culote, in the Acajulta Districto, Sansonate Departamento. To have a well drilled, the community must commit to providing a 20x20 piece of land deeded to the village, sand, gravel, mud pits, arrange for two local huts to serve as a staging area to store the LWI equipment, and an armed guard each evening. Several meetings are conducted with the community leaders to ensure their commitment to these requirements.


Monday July 7

I would get up at 6:00 am to have personal devotions looking out at the ocean. It was very special seeing the waves crash against the white statue of the Savior, as if Jesus is walking on the water. After personal devotions we had group devotions at 7:00 am sitting under a thatch-roofed hut, then after breakfast drove to the well site. We used one of the two pneumatic drills (LW -100) the ministry owns in El Salvador. Each drill bit costs $7,000, and two have been stuck, therefore lost, in the previous 3 years of drilling. Each well costs $2,000 to drill, so the team meets half the expense, and LWI fund-raising the other half. You always know how deep you are because you add 5 ft. sections of pipe. Typically you hit water at the first water table at 30 ft., continue through gravel (sanitary seal) till you hit the second table. A compressor forces air down the drill pipe, out three orifices of the bit, forcing water, mud or gravel to blow out the 6” bore hole. Local farmers brought the sand on a wagon pulled by oxen, and the men had machetes. The children are either barefoot or wear sandals, the houses have dirt floors with dogs and chickens wandering in and out, and the existing wells are hand dug to 30 ft., and are polluted. We hit the 2nd water table at 4:00 pm. We went back to our lodging, showered, had supper, and you rinse the washed dishes in water with Clorox, because there is no hot water to kill the germs. Sometimes I would get so hungry, I would get a tablespoon of peanut butter. Don Parker is a great team leader, he stays out of the way of the drilling operation, and intervenes only if there is a problem. He made a point of spending time with each person to share his passion for Central America.



Tuesday July 8

Each morning I would walk about 50 yards to a hut with 3 sinks and 3 showers. Then when dressed I would walk around the circle drive for exercise, like I did in Tegucigalpa. If the first day is drilling the well, the second day is developing the well. After perforating the bottom section of pipe to serve as a screen/filter system, we lowered 10 ft. sections of 4” PVC pipe into the hole, and then let it gush for about 2 hours. Then we inserted chlorine to clean out all the impurities we had introduced during the drilling process. There was a lot of time available during this phase to witness to the villagers. I talked a lot with Pablo who owned a corn field nearby, and Carlos who was a soldier in the 1980-1991 civil war. As poor as the local farmers were, the teenagers had really nice uniforms to play soccer. They talked about the national teams and stars that they root for. We had cheese sandwiches for lunch each day, so I was very hungry at night. When we got back to the Oasis, I helped Delores, the full-time cook, snap green beans as we talked in Spanish. Each evening about midnight I would half wake up and think there was a violent thunderstorm, only to realize that it was only the waves of high tide breaking against the retaining wall. El Salvador has granted LWI a NGO “non-government organization” status; therefore it doesn’t have to pay any taxes. The average daily wage is $5.45 which explains why so many Salvadoran men leave their families to work in the United States, but unfortunately, after two years of sending money back home, they marry again, and abandon their Salvadoran wife and children.



Wednesday July 9

Today we inserted the sucker rods into each section of galvanized pipe, and lowered the pumping mechanism into the hole. Then we connected the well head which is made in India (LWI purchases about 100 at a time and stores them in-country). We had lunch at Carlos Morales Morales’ home, he set out tables in his yard, plastic table cloths, and we had soup with vegetables from his garden, roast chicken (that he had killed that morning) and tortillas. It was such a poignant scene to have such a relaxing meal with fellow co-workers hosted by truly grateful people. That afternoon, Celia and Katy Shields, the permanent missionary in El Salvador, gave health and hygiene lessons to the children and mothers. There is book of LWI lesson plans to introduce the concept of germs (using sprinkles to demonstrate how germs are spread) pictures of everyday life to discuss good and poor hygiene, and what to do – wash hands, boil water, build latrines and wash food. A 3 legged stool represents diet – the red leg is protein (beans, rice, fish) to help us grow, the white leg is carbohydrates (corn, tortillas, potato sans sugar) to give us energy, and the green leg is vegetables and fruits to keep us from getting sick.




Thursday July 10

We had an outdoor church service at the soccer field to pray and distribute Bibles, and a dedication ceremony for the children to start pumping the water. We emphasized that this water was to be used only for washing hand, washing food and human drinking (not for washing clothes or giving to animals). After supper we all talked about the most memorable events of the past week. Joe mentioned the discussion that I led with him, Matias, Eli, Doug, Greg and Don on Tuesday evening in which I asked the older men to give advice on how to be a good husband.



Friday July 11

We left the Oasis to drive to Apaneca, a quaint little pueblo about 4000 ft. attitude where it was a lot cooler than in the lowlands. We had a flat tire, so Esduardo and Stanley took the van to buy a replacement while the rest of the team went to El Jardin de Celeste, a “finca cafetelera” where I had a slice of banana pie and two cups of the best coffee I’ve ever had (since the coffee beans were raised on the nearby fields all around us). We later stopped at Pollo Campero, the main chicken fast food franchise in Central America. We then drove on CA-1 into San Salvador to stay at the Hotel Miramonte. We all took turns around the computer at the registration desk checking e-mail and the market since we had been on a technology fast all week. We went out to a pupuseria that evening for supper, then back to bed. But I told people that I needed a chocolate fix.



Saturday July 12

We had to leave the hotel at 3:30 am to make it to the airport in time for our 6:30 am flight. Several people bought me Snickers bars for the flight as a gag. Because I had a long layover in Houston, I sat and had a cup of coffee with Ray Williams who was coming back from a trip to Guatemala, I flew to Little Rock because Nancy was doing Ashley Taylor’s wedding.




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