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About Us

Executive Management Profiles

Charles F. Rivers, III
President & CEO
Charlie Rivers was formerly Charleston market chief executive officer for SouthTrust Bank. Charlie is a native of Charleston and has over 25 years of banking experience in the Charleston market and is an active member of the Charleston Community. He is a graduate of the University of South Carolina.

Ryan Werking
Chief Credit Officer
Ryan Werking has over 12 years of experience in the banking and financial services industry and holds an RMA Credit Risk Certification. A native of Towson, MD, he is a graduate of the College of Charleston and has served as a volunteer with Special Olympics and many other community organizations.

Joseph P. Laferte, Jr.
Chief Financial Officer
Joe Laferte has over 20 years experience in accounting and is a certified public accountant. Most recently, Joe served as senior vice president of operations and finance for SouthTrust Bank in Charleston where he was in charge of accounting for seven markets. Joe is a graduate of Clemson University.

Willard R. Stout
Commercial Banking Manager
Willard Stout has 30 Years commercial banking experience beginning his career with 5 years of regulatory service with the FDIC, including 20 years Commercial Banking in the Charleston market. Mr. Stout previously held various management roles during his tenure with Bank of America and SouthTrust Bank. Mr. Stout is a 20 year resident of Mt Pleasant and Business School Graduate from the University of SC.

Kathy Hall
Senior Vice President
Kathy Hall has over 15 years Retail Banking experience. She began her banking career with First Citizens and was employed for 9 years with SouthTrust Bank. She holds a bachelor's degree in business management from Southern Wesleyan University. She is currently on the Charleston March of Dimes Board of Directors and an active community volunteer.

Chuck Stuart
SVP Mortgage Banking
Chuck Stuart has over 20 years of banking experience. Stuart is a graduate of Lander University and the South Carolina Bankers School at the University of South Carolina. Stuart currently serves on the Fannie Mae Lender Advisory Board and a member of the Mortgage Bankers Association. He has previously served as President of the Mortgage Lenders Association of Greater Charleston and on the Freddie Mac Lender Advisory Board.

Morgan McKnight
Vice President
Morgan McKnight has been in the banking industry for 8 years. Mrs. McKnight received her BS in Accounting from George Mason University. She is a native of Virginia. Mrs. McKnight is a Board Member for the Friends of the Library and acts as the Campaign Coordinator for TUW.


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