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Vol. 15 No. 2 Des Moines, Iowa April 28,1986 ABA Survey Finds Only 0.03% of Checks Are Held NLY THREE CHECKS in ten thousand are ac tually held beyond the date the bank receives pro visional credit, according to an American Bankers As sociation survey released at the 1986 AB A National Retail Banking Conference April 14 in New Orleans. “ The widespread perception is that bankers hold checks far longer than they have to, and in the mean time profit off a massive float. The reality, however, is just the opposite,” said A B A President Donald T. Senterfitt, in announcing the survey in his address to the conference. In March, 1986, the AB A surveyed operations exec utives of all banks with assets over $300 million, ask ing for the percentage of deposited checks which have holds placed on them restricting customer access beyond the date of provisional credit the bank receives from the Federal Reserve. Of the total 279 hanks that responded to the survey, 236 reported that they typically place holds on 0.03 percent of their daily check volume. The remaining 43 banks identified that no holds are placed on checks deposited in their banks. “ Assuming those banks handle three-fourths of the nation’s 40 billion checks each year, this means they are holding 9 million checks each year,” said Mr. Senterfitt, who is also vice chairman, SunTrust Banks, Inc., Orlando, Fla. “ It is small in comparison to the huge volume of checks processed by banks. And it is small in compari son to the 400 million bad checks written each year,” Mr. Senterfitt said. Banks receive provisional credit for a check from the Federal Reserve in one to three days. In some cases, a bank may put a “ hold” on a check, delaying the de positor’s access to those funds for a longer period to ensure that if the check is not honored by the bank on which it is drawn it has time to return. The length of such a hold is typically long enough to allow time for a dishonored check to return. A bill passed by the U.S. House of Representatives earlier this year, H.R. 2443, the “ Expedited Funds Availability A ct,” would place rigid limits on the lengths of those holds. Under the bill, after three years, funds from local Percentage o f D aily Deposited Item s Subjected to a H old W hich Restrict Customer Access Beyond the Date o f Provisional Credit to Bank 279 Banks with A ssets o f $300 M illion or M ine Banks contacted: Banks responded: Response rate: 713 279 39% Percentage o f A ll Checks Held Number of Banka Cumulative Percentage 0 up to 0.01 0.01 - 0.05 0.05 - 0.10 0.10 •0.50 0.50 • 1.00 1.00 - 5.00 5.00 -10.00 10.00 - 50.00 50.00 • 75.00 More than 75.00 43 55 72 34 30 7 9 4 10 2 4 15% 35% 61% 76% 87% 90%* 93% 94% 98% 99% 100% 9 Median: .0333% (for banks which hold checks) Median: .0231% (for banks which hold and do not hold any checks) * Includes an additional 9 banka reporting “ less than 1%” The 279 banks which responded to the survey reported that they processed 39,258,840 checks daily. Call on the “ Experienced Professionals” Ready to meet your correspondent needs. ^BFirsTierBanks First National Lincoln 13th & M Streets, Lincoln, Nebraska 68501 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Member FDIC 2 Serving bankers quietly and efficiently. Norwest Bank Des Moines , N.A. Call (515) 245-3131 or toll-free (800) 362-2514 N O R W E S T BANKS Member FDIC CAPITAL PERSON N EL SERVICE 714 First Interstate Bank Building Des Moines, Iowa 50309 515-283-2545 Teamwork: one of the reasons we’re first in Iowa. Dorothea Wolfe Mark Conway and in-state checks must be avail able for withdrawal the next busi ness day following deposit and funds from all other checks must be made available after three interven ing business days following deposit. “ The banking industry’s pay ments system is a marvel of techno logy and responsiveness,” said Mr. Senterfitt. “ Any system that handles 40 billion pieces of paper promptly and accurately is a suc cess. But banks must be allowed the flexibility they need to protect themselves and their customers against fraud,” he said. A copy of the survey and its de tailed results accompany this re port. □ Iowa News SIOUX CITY: Richard McGinnis has been elected president and CEO of First Interstate Bank, effective May 8. He succeeds Bruce Kolbe, who resigned recently and has joined Pioneer Valley Savings Bank in Ser geant Bluff as executive vice presi dent and director. Mr. McGinnis has been vice president and director of marketing for First Interstate of Iowa, Inc., in Des Moines headquar ters the past three and one-half years. Prior to that he was employed by the ABA in Washington and First Virginia Banks, Inc., Falls Church, Va. CEDAR RAPIDS: Douglas R. Hill has been elected president and CEO of Brenton Bank & Trust Co. He was formerly executive vice presi dent of Brenton National Bank— Poweshiek County in Grinnell. He succeeds Robert DeMeulenaere, who has joined Brenton Banks, Inc., headquarters in Des Moines as se nior vice president—metro division. WASHINGTON: Alan Haney has been advanced from executive vice DES MOINES: Don Kearney has president to president and CEO at joined Hawkeye Bancorporation The National Bank of Washington, a headquarters staff in special pro Hawkeye Bancorporation bank. Mr. je c t s/loan adm inistration. Pre Haney succeeds Taunce H. Mathiaviously, he was senior vice president son, who has accepted a similar posi at Bankers Trust Company, Des tion with Hawkeye Bank & Trust in Moines. Maquoketa. MAQUOKETA: Taunce H. MathiaMinnesota News son has been named president and CEO of Hawkeye Bank & Trust ST. PAUL: Bonnie Warren has been here. He fills the vacancy created by promoted to vice president/senior the resignation of Craig Bentrott, operations officer at St. Anthony who has entered the investment Park State Bank. She was previous ly bank auditor. business in Davenport. I t's easier to talk Iowa banking with people w ho live it — people like Ben Eilders and the correspon dent staff at Bankers Trust. ASK TERRY MARTIN to make MNB work for you. Toll free 1-800-332-5991 M erchants A National B ank 151 Member F.D.I.C. A 'BANKS OF IOWA' BANK https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Call 1-800-362-1688 or 515/245-2424. Bankers Trust Des Moines, IA Member FDIC Ben Eilders Senior Vice President We’re Security for You A t Security National Bank, w e ’re people y ou can count on to handle all o f you r Correspondent Banking needs. So, start corresponding with us. W e’re Security for you! SECURITY N ATION AL BANK IN SIOUX CITY. IOWA. MEMBER F.D.I.C. Hi Dennis Nahnsen V ice P resident and M anager Correspondent B anking Services 712-277-6768 Bond portfolios working at full power. The performance of your bank’s bond portfolio is based on sound thinking and quality investments. Investments that will consistently work at full power to contribute to the earnings of your bank. Bond portfolio recommendations have been our specialty since the 1920s, and our track record is enviable. Although investment vehicles and markets have changed, we’ve maintained our high standards. The result is success for our customers and a reputation that precedes us. For confidential consultation about the benefits of investment banking at United Missouri, call (816) 556-7200 today. ki UNITED M ISSOURI RANK of Kansas C h u n a . https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis P.O. Box 226 Kansas City, Missouri 64141 Supplement to Northwestern Banker Newsletter 4-28-86 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Groups 4, 6, 7 & 8 Plan Meetings Group 8 — Iowa City A.M. Iowa City will host Group 8 bank ers on Wednesday, May 7 at the H olid a y In n , downtown. Don ald M. K out, president, Farm ers & Merchants Savings Bank in Lone Tree is chairm an for Group 8. Golf will be available at Finkbine Golf KOUT Course in Iowa City. Rolls and coffee will be available at the pro shop as well as lunch at the clubhouse. Golfers need to make reservations. There will be an election for group secretary at this year’s meeting. Special guest speaker will be Dr. Stephen Wolken, president, Greater Iowa City Chamber of Commerce, and he will present “ First Capitol Area.” There will be a special show ing of the IBA Film, “ Iowa Banks... The Day After.” 8:00 P.M. 3:00 4:00 5:30 6:30 8:30 Group VIII Annual Meeting Golf—Finkbine Golf Course. Registration required. B anquet R e g is tr a tio n Holiday Inn, Amos Dean Ballroom. Business Meeting—Donald Kout presiding. Report—J. Robert Bunn, secretary, Group 8. IBA Activity Report—Neil Milner, executive vice presi dent, IBA. Remarks—William Bernau, superintendent of banking, Bruce Meriwether, presi dent, IBA. Election of new secretary. Social Hour—Lower level lobby. Banquet—Amos Dean Ball room. IBA Film, “ Iowa Banks...The Day A fter.” Feature presentation by Dr. Stephen Wolken, Iowa City Chamber of Commerce. Adjourn. Group VII Annual Meeting — May 6 Holiday Inn Civic Center, Waterloo, Iowa W ednesday, May 17 Holiday Inn - Downtown Iowa City, IA An ideal opportunity to visit with fellow bankers. Sharing ideas and good fellowship. Special showing of IBA Film, “Iowa Banks...The Day After” Don’t miss this even ing. HOSTS: Members of Johnson County Bankers Association GOLF: Finkbine Golf Course Iowa City Evening Program: IBA Film - “ Iowa Banks...The Day After” w m . j. Rickert Group VII Chairman UNI Jazz Band I Bob Washut, Conductor Cart & Green Fees $25 Payable at Clubhouse First Tee-off 8:00 a.m. 9:00 a.m.‘3:45 p.m. 4:00 6:00 7:00 8:00 p.m.-5:45 p.m. p.m. p.m. p.m. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Golf-contact Everett Brown, National Bank of Waterloo. Business Meeting— Room 10. Social Hour— Upper Level. Banquet— Upper Level. Evening Program. For more information contact: Ray Glass, V.P. Hills Bank & Trust Co. 1401 South Gilbert St. Iowa City, IA 52240 319-626-2381 Supplement to Northwestern Banker Newsletter 4-28-86 able at LSunicer h ill Uoll uourse. For more information on tee-off times and cost, contact Dennis Meyer at 319-583-1666. A.M. G olf—Bunker H ill G olf 8:00 Course. P.M. Registration opens. 1:00 Business M eeting—Clair 2:30 Lensing, chairman, Group 4, will give welcome. Reports from: William Ber nau, superintendent of bank ing; Dale Dooley, president, ITS; A1 Tinder, president, IBIS; and Sam Callahan, president, IBMC. Neil Mil ner, executive vice presi dent, IBA, will give an over Featuring: view on IBA activities. Jon Kuehner, manager, Interna The Clarke College Drama Department tional Trade Iowa Develop ment Com m ission, Des Golf Available— Bunker Hill Golf Course Moines, will conclude the Contact Dennis Meyer at 319-583-1666 business session. Social Hour—Brass Ring. 5:00 1:00 p.m. Registration Invocation—Dinner, featur 6:00 2:30 p.m. Business Meeting. Reports from Dale Dooley, AI Tinder, ing Prime Rib of Beef. Bill Bernau, Sam Callahan and Neil Milner Comments by Bruce Meri 5:00 Social Hour wether, president, IBA and 6:00 Banquet— Drama “ Baby With The Bath Water.” Judy McCoy, president, Du buque Chamber of Com merce. IBA Film, “ Iowa Banks... tive vice president, IBA and Group 7 — Waterloo The Day After” William Bernau, superinten Area bankers from Group 7 will Entertainment—Clarke Col dent of banking. meet on Tuesday, May 6 at the Holi lege Drama Department. 6:00 Social Hour—Upper level, day Inn Civic Civic Center. Center in Water 7:00 Banquet—Kansas City Strip loo. A Kansas Steak with all the trim City Strip Steak mings. dinner is plan 8:00 Evening Program—Featur Group 6 — Des Moines ned as well as ing the UNI Jazz Band I. the IBA Film, A panel discussion, “ Making “ Iowa Banks... Iowa A Winner Again,” will high The Day After.” Group 4 — Dubuque light this year’s Feature enter Group 4 Bankers will be meeting Group 6 meeting tainment will be at the Dubuque Inn Best Western at the Quality N. MILNER the U niversity on Monday, May Inn Westmark of Northern Iowa Jazz Band. Golf is 5 for their an in W est D es planned and you may call Everett nual m eeting. Moines, May 8. Brown at the National Bank of The Clarke Col Featured on the Waterloo, 319-291-5271, for more in lege Drama De panel will be Dr. formation. partm ent w ill Michael Ferrari, A.M. present scenes president, Drake Golf—Make own arrange- from “ B a by University, Des C. LENSING With The Bath ments. M oines; Alan P.M. Water” as fea Thoms, director, Iowa Development 4:00 Business M eeting. Civic ture entertain Commission, Des Moines; Dr. Alan J. SCHIPPER Center, Room 10. Chairman ment. Clair J. Tubbs, president, First Central William Rickert, senior vice Lensing, president, Farmers State Bank, DeWitt, and James P. Gan president, National Bank of Bank, Marion, will preside as Group non, editor, Des Moines Register. Waterloo, will call meeting 4 chairman. Special topics will be Evening entertainment will fea to order. Treasurer’s Report: discussed including an update from ture the wit of Mary McBride. She Arnold Schultz, Secretary, Dale Dooley, president, ITS, A1 Tin has written scripts for many well Group 7. Reports will be der, president, IBIS, and Sam Calla known comedians including Joan given by Neil Milner, execu- han, IBMC. There will be golf avail- Rivers (“ can we talk” ). Golf will be Group IV Annual Meeting May 5 Dubuque Inn Best Western Dubuque, Iowa i https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis RISMILLER, KEMPER AND SPRENGER David Rismiller Jonathan Kemper Bill Sprenger Chairman President Vice President O utsid e M issouri call 1-800-821-2180 In M issouri call 1-800-892-7100 Nebraska News A seminar featuring Kim Woods of Morris Massey Associates will be presented by the Iowa-Nebraska Chapter of the Bank Marketing As sociation on May 6 at the Marriott Hotel, Omaha, from 10:00 a.m. to 3:30 p.m. The seminar is aimed at understanding how values are formed and how they effect the de cision-making process. Cost is $50 for members and $80 for non-mem bers. Register by April 30 by con tacting Randy Sheldon at (402) 362-7411. BLAIR: Lloyd F. Scheve, manager of the FirsTier Bank, Omaha, office Commerce Bank o f Kansas City here, has been advanced to vice pres ident. OMAHA: A t FirsTier Bank Omaha, (Omaha National) Robert A. Suddick has been promoted to senior vice president. He joined the bank in 1968 and currently is group man ager of the lending division. OMAHA: Thomas C. Jackson has been promoted to vice president/private banking manager at Norwest Bank Nebraska, N.A. He joined the bank in 1973 and was previously vice president with the Financial In stitutions Group of Norwest Banks. RALSTON: S. John Bednar was Group 6 — Des Moines available at the Des Moines Golf & Country Club. For golf information con tact Kim Cox at 515-784-6926. A.M. Golf—Des Moines Golf & Country Club. Located near Quality Inn. P.M. 3:45 Registration—Quality Inn Westmark. 4:15 Panel Discussion—“ Making Iowa A Winner Again.” 5:30 Reception—Cash Bar. 6:30 Banquet—Quality Inn Westmark. Golf Awards. Remarks by Neil Milner, executive vice president, IBA; William Bemau, superintendent of banking, and Bruce Meri wether, president, IBA. IBA Film, “ Iowa Banks... The Day After” Speaker—Mary McBride, “ Give Us This Day Our Daily W it.” M em b er m if"! » elected president and CEO of the Ralston Bank. He succeeds Arthur H. Denker, who passed away in March. Mr. Bednar was formerly a vice president in the commercial loan department. Illinois News CHICAGO: Jeffrey L. Conner has joined Northwest National Bank of Chicago as senior vice president and senior loan officer. He previously served at Society Bank of Eastern Ohio, Canton, in credit and loan ad ministration. Wisconsin News APPLETON: Directors of Valley Bancorporation, parent company of the Valley Banks, voted to authorize a 3-for-2 stock split, thus providing a 50% stock dividend. On May 30, 1986, shareholders will be mailed one new share of common stock for each two common shares as of the record date, May 23, 1986. Gus A. Zuehlke, Valley’s chairman and chief executive officer, pointed out that after the 3-for-2 stock split, Valley would have 7.8 million com mon shares outstanding. Valley stockholders currently number ap proximately 6,000. Group VI Meeting Set For May 8 Quality Inn Westmark West Des Moines, Iowa __ t “ Making Iowa a Winner Again” featuring panelists: • Dr. Michael Ferrari, president, Drake University • Alan Thoms, director, Iowa Development Commission • Dr. Alan Tubbs, president, First Central, DeWitt • James Gannon, editor, Des Moines Register Golf Available— Des Moines Golf & Country Club # https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Evening Entertainment— Mary McBride, “Give Us This Day Our Daily Wit” 3 POSITION AVAILABLE LENDING OFFICER W A N T A D S— Rates are $5.00 per line per insertion. Add $3.00 for file letters per insertion. Identity of file letter advertisers cannot be revealed. N O R TH W E S TE R N BANKER, 1535 Linden Suite 201, Des Moines, Iowa 50309. Phone 515-244-8163.____________________________________ Ag Comm. Loan Officer for Progressive midwest bank. Looking for lender with 2-5 years experi ence. Excellent growth potential. Salary commen surate with experience. Please send resume to File No. W EZ c/o Northwestern Banker. SENIOR COM M ERCIAL LENDER for $100 million portfolio. Must have proven record and educational background to manage loans in larger financial Institution ....................... ........................................................................Salary to $60,000 CEO for $35 million northern Iowa bank. Must have com parable experience and good track record . Salary $45,000 SUPERVISOR for trust operations and customer book keeping services. Emphasis needed on accounting, micro computers and some supervisory experience. Send resume to W FB c/o Northwestern Banker.____________(PA) O FFICE M ANAGER for large midwest bank. Require at least 5 years lending experience plus proven ability to manage people and develop business . . . Salary to $36,000 $12M Eastern Iowa bank near Iowa City has an opening for an Individual with experience in LO ANS AND OPERA TIO NS. Send resume and salary requirements to File No. W FA c/o Northwestern Banker.______________________ (PA) AUDITOR for group of community banks In Illinois and Iowa. Two to five years banking experience required. CPA a plus. Some travel. Quad City location — Salary $25,000 SENIOR A Q LENDER for $25 million north Iowa bank. Some problem loans. Prefer person who likes smaller com munity ........................................................... Salary to $35,000 AQ LENDING O FFICER . $35M N.W. IL bank seeking exper ienced lender for Ag Loans. Must have knowledge of FHA & other gov’t programs. Good starting salary and full bene fits. Send resume to File No. W FC c/o Northwestern Banker.______________________________ (PA) JUNIOR COM M ERCIAL LENDER for major midwe8t bank. Prefer college grad with a couple of years experience — ........................................................................Salary to $30,000 V.P. for northern Illinois $100MM community bank. Mini mum of 10 years lending experience, primarily commercial and real estate. The successful applicant must have ex cellent compliance knowledge and will work well In group management environment. Send resume and salary his tory to F lle N a W F D c / o N o rth w e ^ (PA) COMM ERCIAL LENDER for $200 Million upper Midwest bank. Prefer personable banker with three to five years ex perience; Immediate o p e n in g ................... Salary to $38,000 TR U S T O FFICER to head department for high perfor mance $100 million upper Midwest bank. Prefer lawyer with three to five years experience............... Salary $30,000 Write or call Malcolm Freeland In confidence. Competitive fees are employer paid. FOR SALE Freeland Financial Service $23,000,000 BANK A 1 BHC, located in Southern CO. Priced for quick sale. High earnings record, excellent growth potential. Principals only. Ellis Jones Realty, 2992 Oak St., Lakewood, CO. 80215 (303) 232-1189._________(FS) 1010 Equitable Bldg. Dee Moines, IA 50309 515/282-6462 Employer paya fee. BURROUGHS L9000 POSTING M ACHINE AN D A U TO READER, has been under maintenance. Contact Iowa State Bank, Box 306, Fort Madison, la 52627 (319) 372-1134. ___________________________________________________(FS) POSITIONS AVAILABLE ExVP— $50MM bank. Require 10 yrs. exp. and a desire to advance. To $50K. AG LENDER— $70MM bank. Need min. 3 yrs. solid lending background. To $35K. POSITIONS WANTED May, 1966 IA State Unlv. graduate with BS degree In agri cultural business seeking employment In AQ BANKING. Specializing In ag finance & farm mgt w/anlmal science emphasis. Teller exp. In major Omaha Bank. Contact Cur tis Brown, 747 Pammel Ct., Ames, IA 50010 (515) 296-7971. (PW) ADAMS, INC. Specialist in Executive Search For Banks “All Inquiries Confidential!” Contact: JA Y B. ADAMS Adams, Inc. 10050 Regency Circle Omaha, NE 68114 (402) 391*7325 POSITIONS AVAILABLE TRUST-EM PLOYEE BENEFITS Exceptional career path requires high tech skills in em ployee benefits Including planning, development and sup port services w/a vital emphasis In pension plans (not health & life) sales. Must possess strong Investment mgt and marketing capabilities. JD, CPA or CEBS a plus but not required. With bonus. $48K + + . CASHIER/CPA Leadership position In large bank for pro who has exp In bank acctg/operatlons and taxes. 5 + yrs In a S80m + en vironment gaining knowledge on the Internal side of the In stitutions operations. Mgt bkgd, desire to grow Into top role In major holding co bank are musts. $38K+ . FOR RJRTHER INFORMATION CONTACT: KURT ROSENCRANTS <M M > <H M > <M > robkrtnulf 317 6th Ave, Ste. 650 Des Moines, IA 50309 (515) 244-4414 ® WORLD’S LARGEST BANKING, ACCTG & EDP SPECIALISTS A LL FEES COM PANY PAID FINANCIAL CAREERS CE O for newly-chartered bank In Mlsaouri metro area. Must be aggressive self starter with record as C E O ........... ..........................................................................Salary $50,000 + B A N K IN G SR. LOAN O FFICER — Small rural Ag bank. To $45K. R 1 V.PJSUPERVISOR. Experienced In ag and commerI clal lending? Be ag dept, supervisor and write com- i I merclal loans with established bank holding co. I Your talents will lead to upward mobility . . . $35,000 I ..........................................................................Call Bruce I V.PJCOM M ERCIAL I I I I I I I I I I LENDER. $200mm metro bank offers you your own portfolio of $10-12mm and a business development challenge. Could lead to department head. If you have 3 + years of commercial lending..................... $38,000......................Call Bruce V.PJCOM M ERCIAL LENDING MGR. Bank wants more of the market share! While you head up the 1 $20mm department, your business development ex-1 perience will be needed. If you are personable and I technically strong, this bank system wants to talk . | ............................$37,000 ............................ Call Bruce I I TR U S T O FFICER. 5 + yrs. general trust admlnlstra- I I tlon to qualify for this onel Law degree a plus but I I not required In this $200mm bank. Good benefits . . | I ............................. $35,000 .............................. Call MarJ I I CREDIT ANALYST. Strong accounting/computer I I credit analysis skills to land position In a $125mm 1 I holding company bank. Ability to isolate strengths I I and weaknesses In loans Is your ticket to a good fu-1 I t u r e ......................... $26,000 ..........................Call MarJ I I A Q LOAN OFFICER . 3 + years ag experience quail-1 fles you for this bank position offering good bene-1 fits, upward mobility and career development .........I ............................. $30,000 .............................. Call MarJ I I I I I I I I VICE PRESIDENT. Largest bank In community I needs a strong commercial lender with some knowl-1 edge of ag. Move Into senior loan officer position. | Great benefits.............Hlgh$30’s ..............Call Dean I I 1 I I TR U S T O FFICER. Help develop the personal trust I department of metro area bank. Part of major hold-1 ing company with advancement opportunities 1 w ith in ..................... Mid 330’s ...................... Call Dean 1 e g e n c y R E C R U IT E R S , IN C . Diane Evans 1102 Grand Avenue, Kansas City, MO 64106 816/842-3860 TH E TERRACES A Bed and Breakfast Brochure Available 1281 High Drive Estes Park, Co 80517 (303)586-9411 POSITIONS AVAILABLE LOAN REVIEW - lead bank of major midwestern holding company. Requires degree and minimum of two yrs. loan review experience in large bank environment. $28K COMML. LOAN - $100M suburban affiliate of large multi bank holding company. Strong technical skills and 3 yrs. or more experience. $30K INSTL. LOAN - manage consumer department for $80MM suburban bank. Ideal candidate will have five yrs. instal. lending background including dealer paper. $30K CEO - small rural bank located close to recreational area. Work out situation. Ag credits not the problem. $38K AGRI LOAN - primary responsibility for all Ag credits in $25MM community bank. Assist with commercial loans. $35K Additional opportunities available. Resume requested. (personnel Search 1126 So. 72nd SI. Omaha, Na. 68124 4 0 2 -3 9 7 -2 9 8 0 TOM HAGAN & ASSOCIATES 2024 Swift - Box 12346 North Kansas City, MO 64116 816/474-6874 “ Serving the Banking Industry Since 1970” Vol. 15 No. 2 Northwestern Banker Newsletter (USPS 873-300) Is published weekly by the Northwestern Banker Company, 1535 Linden Street, Suite 201, Dee Moines, Iowa 50309, (515) 244-8163. Subscriptions $1.00 per copy, $18.00 per year. Second class postage paid at Digitized for Des FRASER Moines, Iowa. Address all mall subscriptions, changes of address (Form 3579), manuscripts, mail Items to above address. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis
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