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Vol. 17 No. 20

R M A ’s O ffers Im proved Lender Training
FTER years of research and plan­
ning, Robert Morris Associates
recently launched MENTOR, a new
and unique training program de­
signed to meet the needs of commer­
cial lending professionals at all levels.
RMA is the national association of
bank loan and credit officers.
A ccording to 1987-88 N ational
RMA President William H. Sayre, the
MENTOR program was developed in
response to the ever-increasing train­
ing needs of RMA’s 3,100 member fi­
nancial institutions nationwide. Mr.
Sayre is executive vice president,
Fidelcor, Inc. and F idelity Bank,
Philadelphia.
Mr. Sayre said that the MENTOR
training system was designed to meet
two key attributes o f today’s bank
training environment. One, the train­
ing needs of banks and thrifts have
become increasingly com plex and,
two, the training marketplace has
grown more sophisticated. "The MEN­
TOR concept is revolutionary in that it
is extremely comprehensive while be­
ing totally flexible,” he explained.
"This is what our members have told
us they want and need.
"For example,” Mr. Sayre continued,
"a banking organization can utilize
the entire MENTOR program to pro­
vide consistent training for all of its
commercial lending relationship man­
agers and credit support people, re­
gardless of their location within the
organization. As interstate baulking

A

DARRELL
ELKINS
WOULD LIKE
TO HOLD YOUR
HMD.


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

August 29,1988

Des Moines, Iowa

becomes more of a reality, this consis­
tency will become a more valuable
asset to an organization.
"But MENTOR can be just as effec­
tive when used in a more selective
manner,” Mr. Sayre added. "For exam­
ple, banking training officers can
select a single course — or several
courses — to fill specific bank training
needs from any or all of the three
MENTOR tracks.”
RMA’s MENTOR program is com­
posed of three tracks: analytical, lend­
ing, and management.
The analytical track focuses on basic
commercial banking skills: financial
accounting, financial analysis, loan
documentation, and professional com­
munication.
The lending track covers advanced
credit analysis, advanced lending and
corporate finance, and sales tech­
niques for commercial lending.
The management track gets into the
areas of sales management, decision­
making, human resources, current
management issues, and similar top­
ics of interest to senior-level commer­
cial lenders.
Clarence R. Reed, RMA’s executive
vice president, stressed that freedom
of choice and flexibility are at the
heart of RMA’s MENTOR program.
"MENTOR can be used to supplement
program s already being run by a
bank. Or it can be used as the founda­
tion for a bank’s entire commercial
training program,” he said.

Since no two banks have exactly the
same training requirements, RMA is
o ffe rin g m any o f the M ENTOR
courses in three flexible formats:
(1) In-bank training, taught and
administered by RMA;
(2) Open-enrollment, sponsored na­
tionally by RMA and offered at
the local level by RMA’s chap­
ters and groups, or subchapters;
(3) Taught and administered direct­
ly by a bank using materials
purchased from RMA.
Each course is developed by experi­
enced education and training consul­
tants under RMA’s direct supervision.
Before it can become part of the MEN­
TOR program, each course is again
reviewed by active banking practi­
tioners, tested, evaluated, and revised
to ensure that it meets its objectives
and banks’ training needs.
The final result is a sequence of
courses that covers the essential skills
commercial loan and credit officers
must have to make a positive contribu­
tion to their bank’s bottom line.
A number of MENTOR courses are
available now; most of them contain
pre- and post-tests. Others currently
are being developed.
Those available now are
• Financial Accounting
• Business Writing for Bankers
• Using Credit Information in Risk
Assessment
• Commercial Loan Documentation
(available 9 /1 / 88)
• Uniform Credit Analysis
• Advanced Lending and Corporate

As part of the BICS 10-Point Service and Support System, you get
your very own executive account manager. One of these is Darrell
Elkins. His job is to make sure BICSgives your bank state-of-the-art
data processing...and more.
Oneway Darrell does this is throughhis on-going service visits
(point #3). At least once a month, he visits your bank to lenda hand
and ensurethat you’re gettingthe maximumreturnon your BICS
investment.
To find out howthe BICS 10-Point Service and Support System
can give you 100% support, 100% of the time, call 1-800421-0059
or 1-800-332-5242 (inIowa).

1 0 0 % SUPPORT.
1 0 0 % OF THE TIME.

4333 E dgew ood Rd. N.E.
P.O. Box 1847
C edar R apids, Iow a 52406
319/395-6600
A Banks o f Iowa subsidiary

ahead with optim ism in an im­
proving
Iow a econom y. R obert
Norwest Bank Des Moines, N.A.
filli
Burnett, president and CEO o f O
Call (515) 245-3131 or toll-free (800) 362-2514
NORWEST BANKS
Meredith Corporation, will give the
Member FDIC
um mmm
amyma
keynote address, follow ed by presen­
tations made by members o f the|
Peat Marwick firm. The seminar will
7"eamwork:
be held at the M arriott H otel in
downtown Des Moines. Registration
one of the reasons
begins at 11:15 a.m. with luncheon
we’re first in Iowa.
and presentations following. There
is no charge for attending. Further
details and registration information
John Rigler
R ichard Pederson
can be obtained by calling Teri
tion in Des Moines. Mr. Smith is Curry at (515) 288-7465.
Finance (available 9/12/88)
• Sales Techniques for Commercial chairman and retired president o f FORT M ADISON : Fort Madison
the Brenton Bank & Trust Company Financial Co. received Fed approval
Lenders
• Sales Management for Commercial in M arshalltown. He will succeed A u gu st 15 to purchase F ort
Donald E. Snyder, president and Madison Bank & Trust Co. from
Lenders
For more information about MEN­ CEO o f Manufacturers Bank and Banks o f Iowa. The bank had $54
TOR, and to learn more about the Trust, Forest City, as IB A president million assets on June 30. Fort
courses currently available, contact at the 1989 convention.
Madison Financial is owned by
O f the 504 votes cast, Mr. Smith Larry Wenzl, chairman, president
RMA’s Account Manager, c/o the RMA
National Office in Philadelphia, (215) received 283, or 56.2 percent. The and CEO o f University Bank &
other nominee, William Hess, presi­ Trust, Ames; James Baier, an auto
665-2810.
dent o f Iowa Savings Bank in Coon dealer, and Doyle H oyer, a retail
Rapids, received 220 votes, or 43.7 clothier, both o f Fort Madison. They
Iowa News
percent. One vote was blank.
had sold on July 1 the $26 million
Thomas R. Smith was named
assets Iowa State Bank in Fort
* * *
president-elect o f the Iowa Bankers
Madison
to State Central Bank o f
Association in the statewide mail
The Iowa Bankers Association Keokuk in order to purchase the
ballot that was counted August 25. will present a seminar entitled “ A d­
He will be installed in that office vanced Loan Documentation: An In- larger Fort Madison Bank & Trust.
during the IB A convention banquet Depth Analysis o f Docum entation Mr. Wenzl will continue to make h is.
home in Am es.
f
September 20 at the IB A conven- C h a lle n g e s
F a c in g
T oday’s
Banker,” on October 12 at the Air­ M APLETON: A t M apleton Trust &
port Hilton Inn in Des Moines. It Savings Bank, James T. W hiting
will be presented by Colorado at­ has been elected chairman o f the
torney John E. M oye. Registration board, succeeding his father, James
begins at 7:45 a.m. and the seminar G. W hiting, who died June 26. The
rims from 8:30 to 4:15. Fee before younger Mr. W hiting has over 15
September 30 is $135 for members, years o f banking experience in
$170 for subscribers and $200 for operations, management and len­
nonmembers, and covers seminar, ding, and is currently the manager
continental breakfast, lunch and all o f a le n d in g d ep a rtm en t at
materials. A fter September 30, fee is Investor’s Savings Bank in Minnea­
$20 additional. Contact the IB A for polis. In addition, N.E. Perrin was
elected vice chairman o f the bank.
more information.
HkH

Dennis Earhart
MNB C orrespondent Banker

Together We Can
A ccom plish
G reat Things

DES M OINES: The Des Moines of­
fice o f Peat Marwick Main & Co. will
present its Eleventh Annual Bank
Seminar on Septem ber 7. The
seminar will focus on the banking
business environment as we m ove

A Meeting
Of The Minas.
At Security National Bank, our minds
are on meeting all your Correspondent
Banking and Investment needs.
We’re Security for you!

Call 319-368-4789
or toll free 1-800-332-5991
Strength
Eastern
|owa

Merchants
National
Bank R i
Cedar Rapids. Iowa 52401
Member F 0 1C
A BANKS OF IOWA BANK
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

SIBLEY: Harris J. Kruse has been
prom oted to executive vice presi­
dent o f the the Sibley State Bank.
He previously served as vice presi­
dent and trust officer o f the bank.
W ATERLOO: William F. Kabourek

Richard Kunz

Wilma Weeks
Correspondent Services
Officer

712-277-6769

Investment
Representative

SECURITY N A TIO N A L BAN K
IN SIOUX CITY, IOWA.

MEMBER F.D.I.C.

712-277-6522

Bob Long’s

Secrets of

Bankers...
■

B A N K IN G E XP E R TISE FO R SALE
Learn how ordinary executives achieve
extraordinary performance. Let them
tell you how they:
• Work with customers
• Introduce changes in fees and services
• Set-up financial strategies
• Manage internal staff
• Use technology
• Achieve profitable market positions

#

Use
•
•
•
•

with your staff to obtain:
Increased teamwork
Improved judgement
Improved reception to change
Improved customer relations

Book and convenient audio tape sem inar now available

You owe it to yourself to order at least
one copy immediately.
^ In the two months since publication we've received many com­
pliments and orders for additional copies. As one Chairman
said, "I want a copy for every key executive in our group. "
(Quantity discounts available)

nVIost of Bob Long’s career has been spent in
financial industry research. At Bank Administration
Institute he counseled bankers on automation,
payment systems and management strategies.
GLater he founded MicroBankerihe financial
industry’s most successful microcomputer news­
letter, was president of the Sendero Institute and
editor of the Al Financial Report. Bob is currently
p resid ent of Thinking Technology Associates.

I

!
□ Yes, please rush the book and audio tape seminar,
Secrets of High Performing BankersMy check for
$50. is enclosed.
□ Yes, please rush the book, only.
My check for $34.95 is enclosed.
□ Yes, please rush the audio tape seminar, only.
My check for $34.95 is enclosed.
NAME _____________________________ _________ _

_

COMPANY _________________________ ______________ _
STREET OR P.O. B O X ____________________
C ITY_______________ STATE________ Z IP ________________

A prolific researcher, writer and speaker, Bob has authored more than
250 articles, booklets and research reports on banking and business
subjects. He has spoken at more than 800 banking and business
•neetings
in the U.S., Canada and Europe. He currently concentrates

his research, writing and speaking on high performance management.
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

Send to:

Thinking Technology Associates
Suite 910,1309 E. Northern Ave., Phoenix, AZ 85020
(602) 944-7245

I

j


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

OVER 60%
OF ALL BANKS IN OUR MARKETAREA ARE NO W INSURED
BY THE KANSAS BANKERS SURETY COM PANY

That’s R ig h t. . . In th e nine states w e serve w e h ave solved th e b on din g needs for
6 of every 10 banks.
That's over 16 .4 % of all banks in the United States

THE REASONS. . .

SUPERIOR SERVICE
MOST COMPETITIVE PREMIUMS
REALISTIC UNDERWRITING
PROMPT CLAIMS SERVICE

IF YOU’RE NOT GETTING THE SAME FROM YOUR BONDING COM PANY...
GIVE US A CALL - YOU’LL BE GLAD YOU DID.

THE KANSAS BANKERS
SURETY COMPANY
DONALD M. TOWLE
President

DAVID E. ABENDROTH
Senior Vice President

611 Kansas Avenue P.O. Box 1654
Topeka, Kansas 66601
Phone 1 -9 1 3 -2 3 4 -2 6 3 1
FINANCIAL INSTITUTION BONDS, SAFE DEPOSITORY LIABILITY, CHECKS KITING FRAUD INDEMNIFICATION,
DIRECTORS AND OFFICERS LEGAL DEFENSE AND LIMITED INDEMNITY POLICIES

https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

Serving th e H e artla n d of A m eric a since 1 9 0 9

OVER 60%
OF ALL BANKS IN OUR MARKETAREA ARE NO W INSURED
BY THE KANSAS BANKERS SURETY COM PANY

That’s R ig h t. . . In th e nine states w e serve w e have solved th e b on din g needs for
6 of every 10 banks.
That's over 16 .4 % of all banks in the United States

THE REASONS. . .

SUPERIOR SERVICE
MOST COMPETITIVE PREMIUMS
REALISTIC UNDERWRITING
PROMPT CLAIMS SERVICE

IF YOU’RE NOT GETTING THE SAME FROM YOUR BONDING COM PANY...
GIVE US A CALL - YOU’LL BE GLAD YOU DID.

THE KANSAS BANKERS
SURETY COMPANY
DONALD M . TOWLE
President

DAVID E. ABENDROTH
Senior Vice President

611 Kansas Avenue P.O. Box 1654
Topeka, Kansas 66601
Phone 1 -9 1 3 -2 3 4 -2 6 3 1
FINANCIAL INSTITUTION BONDS, SAFE DEPOSITORY LIABILITY, CHECKS KITING FRAUD INDEMNIFICATION,
DIRECTORS AND OFFICERS LEGAL DEFENSE AND LIMITED INDEMNITY POLICIES

https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

Serving th e H e artla n d of A m erica sin ce 1 9 09

•

s»

Follow the
arrow to
Muni Bonds-

Enhance your portfolio
with any investment from
Municipal Bonds to U.S.
Government Securities.

Lincoln

Omaha

In Nebraska: 800-742-7462

In Nebraska: 80 0 -6 42-9305
Outside Nebraska: 800-228-9175

Your FirsTier Team. Here to serve you well.

^.FirsTier Banks
FirsTier Bank, N.A., Lincoln and FirsTier Bank, N.A., O m a h a, M em bers FD IC

^

“

^
9

^

•

•

has accepted the position o f presi­
dent and CEO at Peoples Bank and
Trust Company o f W aterloo. He has
been in banking over 15 years,
beginning at Omaha National Bank
where he served as second vice
president/com m ercial loans and vice
president in the m etropolitan divi­
sion. He then joined Security National Bank in Sioux City as senior
vice president in 1977. He has been
serving as chairman, president and
CEO at State Bank and Trust,
Council Bluffs, since 1982. Mr.
Kabourek succeeds Thom as P.
M cDerm ott, who joined National
Bank o f W aterloo earlier this year as
vice president in the farm and cor­
respondent bank division.
ZEARIN G : Donald W. Heineking,
president o f Security State Bank,
Hubbard, and William E. Brown,
president o f Tri-County State Bank,
Zearing, have announced that
Security State Bank will purchase
the assets and assume the liabilities
o f the Zearing bank and Tri-County
Insurance Agency upon regulatory
approval, expected in late 1988. Mr.
Heineking said application will be
made to merge Tri-County State in­
to the Hubbard bank and leave an
office in Zearing, which is located
ten miles due south o f Hubbard on
Hwy. 65. The Zearing bank’s office
at Garden City, eight miles to the
west from both Hubbard and Zear­
ing, also would be maintained. Mr.
Brown plans to retire upon completion o f the sale.

•
®

®

_
®

Nebraska News
0

OM AH A: Am ong recent promotions at Norwest Bank Nebraska
was the advancement o f Jack Ayres
to senior vice president o f dev­

elopment and John C. Pearson to
vice president in the commercial real
estate department. Mr. Ayres began
his banking career in Manhattan,
Kan. in 1971. In 1982 he m oved to
the Tri-County Bank and Trust in
Bellevue and was chairman and
president there until 1985. He then
became chairman and president o f
the Bank o f Bellevue and held those
titles until May, 1988 when he
joined Norwest. Mr. Pearson began
his banking career in W ichita, Kern.,
and moved to Omaha in 1985 to
work as vice president in a savings
bank. He 1986 he became a vice
president and manager o f a m ort­
gage corporation. He joined Nor­
west in May.

South Dakota News
HURON: Farmers & Merchants
Bank o f Huron has named Ronald R.
Jenkins to the position o f executive
vice president and commercial len­
ding officer. He has been in banking
for 24 years, m ost recently as presi­
dent o f Commercial Trust and Sav­
ings Bank in M itchell, also serving
as a director there until 1985. He
also worked in trust and was
cashier. He retired from banking in
1985 to becom e involved in M itchell
com m unity activities.

those capacities. Reporting to Mr.
Lee will be presidents o f bank af­
filiates in Benson, Paynesville, Windom and Marshall, Minn.

Colorado News
DURANGO: John A . Marvel has

Correspondent Banking

We’ve held the
line on prices
to help your
bank.
At United Missouri, we have
maintained the same prices since
1983, which means we are highly
competitive. Shop around and com­
pare. Our prices can help your bank
become more profitable. In addi­
tion, you’ll be dealing with experts
with a proven track record in bank
services. We’re one of the best in
correspondent banking, and we’re
competitive. Call us today. We’ll talk
prices over the phone.

Minnesota News
LITTLE FALLS: David A. Lee has
been appointed region manager for
Community First Minnesota Bankshares, In c., headquartered in
Fargo. He currently serves as presi­
dent and CEO and a director o f
American National Bank o f Little
Falls, which is an affiliate o f the
Community First bank holding com ­
pany. He will continue to serve in

UNITED MISSOURI BANK
M e m b e r F D IC
of Kansas City, n.a.
10th and Grand, P.0. Box 226
Kansas City, Missouri 64141
(816) 556-7900

—

I F irst Interstate
l/l/e go the extra mile for you

1 800 362-1615
-


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

». "

Peggy Thompson
Correspondent Services

-

David Bryant
Correspondent Services

au

4

been named president and chief ex­
ecutive officer o f The First National
Bank o f Durango. He is former CEO
of the First National Bank o f
Alam osa, and more recently was
president o f the Montana Bank o f
Bozeman, Mont.

North Dakota News
W AHPETON: Ronald K. Strand
has been elected president and CEO
and a director o f Community First
N a tion a l B ank o f W ah peton .
William M. Sanger has resigned

those offices but will continue to
serve as chairman o f the bank. He
has accepted the position as vice
president o f corporate relations for
Community First North Dakota
Bankshares, Inc. Mr. Strand has
resigned as president and CEO o f
Norwest Bank o f North Dakota,
N .A .—W ahpeton to accept his new
position. He has served as president
o f that bank since 1985. From 1983
to 1985 he was senior vice president
o f Norwest Bank Jamestown. He
began his banking career at Norwest

DOES YOUR BANK NEED AN INVESTMENT CENTER?
• New high net worth customers
• Added profit
• Reduced deposit loss to competitors
• Ability to offer com plete financial services

INVESTMENT
CENTERS

BANKING
careers

Bank in eastern Iowa community of 30,000 Is seeking VICE
PRESIDENT AND TRUST OFFICER for management of
$30M trust dept. The successful candidate will have a
general trust or trust related experience, the ability to
manage people, and be sales-oriented. J.D. preferred.
Resume, references and salary requirements are being ac­
cepted in complete confidence from qualified individuals
at P.O. Box 271, Clinton, IA 52732 EOE/M/F/H
(PA)
AG LOAN OFFICER for $30 MM central Iowa bank, 2-3
years experience ag (FmHA, SBA Guarantees, consumer
'loan experience helpful). Need aggressive self-starter will­
ing to call on existing and new prospect lines. Send
resume and salary history to File No. WNZ c/o North­
western Banker.
(PA)

S eeking E X PER IEN C ED EXEC UTIV E w ith good
managerial, lending, planning and PR skills who can be a
real leader in a growth-positioned smaller bank holding
company. Owner seeking strong person at holding com­
pany and bank level. Equity position avaiable. Contact File
No. WNW c/o Northwestern Banker.
(PA)

1-800-544-7113
First Dakota Building
P.O. Box 2796
Bismarck, ND 58502
or
P.O. Box 65697
West Des Moines, IA 50265

V.P.with general lending knowledge needed for North Cen­
tral Illinois bank of $75mm. Must be community oriented
and dedicated. Track record extremely important. Contact
File No. WOG c/o Northwestern Banker.
(PA)
COMMERCIAL LOAN OFFICER—Immediate opening tor
commercial loan officer in a $45mm bank. Position will
have primary responsibility for a $8mm commercial loan
portfolio. Credit analysis training and business develop­
ment skills required. Five years of commercial lending ex­
perience required. Send resume and salary requirements
to: Harvey Huber, President, Union State Bank of Hazen,
Hazen, ND 58545; phone 701-748-2233.______________ (PA)

"Professional assistance in hiring
and career advancement"

Jean Eden
515-276-1151

Small western Nebraska bank needs experienced
LENDER with ability to supervise new loan policies and
procedures. Contact File No. WOF c/o Northwestern
Banker.
(PA)

Sandi Garner
515-832-1258
Tues / Wed / Fri

BRA N D T Coin Sorters-Counters
BRA N D T Currency Counters
TRUST DEPARTMENT HEAD
Are you deadended in your current position and looking
for more? Fast-paced high activity organization is looking
for member of senior management team. Must have prior
trust department experience and ability to manage. $60K.
PRESIDENT
Are you an experienced lender looking for an opportunity?
Take charge of your career and make a change. $30M com­
munity bank in top-notch MO location seeks proven pro­
fessional. If you would feel comfortable in a camel 1 bank
earning 1.25 R.O.A. this is it.
$55K.
AQ LOAN OFFICER
Rural NE bank in cow/calf and row crop area needs ex­
perienced ag lender. Great opportunity for advancement.
Must be hardworking, community type who enjoys ag len­
ding.
$35K.
FOR FURTHER INFORMATION CONTACT KURT ROSENCRANTS

ROBERT HALF
O M O M S A .M C .

317 6th Ave, Ste. 650
Des Moines, IA 50309

(515)

244-4414

ALL FEES COMPANY PAID

A
w

^
W

^
w

A
^

FOR S A L E
RECONDITIONED

Confidential. Fees Paid by Employer.

POSITIONS AVAILABLE

9

COMMERCIAL LOAN O FFIC E R — Lending p o s Ï ÏÏô |^ f c
available in east-central Nebraska bank. 1-3 years b a n ^ B R
lending experience required. Contact File No. WOE c/o
Northwestern Banker.
(PA)

quality service by experienced professionals

525 Merle Hay Tower
Des Moines, Iowa 50310
515-276-1151

POSITION AVAILABLE

INSURANCE: Need aggressive individual with all licenses
to manage agency in central Iowa with great potential.
Responsible for selling and servicing all lines of In­
surance. Must also be willing to cross train in banking and
loans. Send resume and salary history to File No. WOA,
c/o Northwestern Banker.
(PA)

Your benefits:

For information contact:

Bank—Moorhead, Minn. Mr. Str and
has also been appointed region
manager for the Community First ®
North Dakota holding company.

m

New Warranty

FOR SALE

■

Burroughs L-4000 POSTING MACHINE. Excellent condi­
tion. $1000. First State Bank, Thornton, la. Contact Terry or
Gary at 515-998-2312._____________________________(FS)
1984 Burroughs Model S3000 24-pocket PROOF
MACHINE, on line capability, 8” diskettes, and supplies.
$12,500. Call 1-816-461-8000, ask for Bill Massop.
(FS)

402 - 571-5577

POSITIONS AVAILABLE

•

TRUST MARKETING • large urban bank. Requires degree
and trust experience.
$35K
REAL ESTATE LOAN - single fam ily residential and secon­
dary market experience required. Proximity of major metro
area.
$40K
LOAN REVIEW • large bank experienced required. Both ^
junior and senior level positions available.
$28-$40K

WANT TO BÜY

COMMERCIAL LENDING - V.P. positions in urban and
large suburban banks. Personal portfolios from $20MM to
$50MM.
$40K

Drive up windows, vault doors, safes, safe deposit boxes,
night depositories.
American Bank Equipment
Sales - Service • Installation
402/571-5621

(WTB)

WANTED—To buy control position of a medium size bank
within 60-mile radius Cedar Rapids. Deal direct or through
your attorney. Provide pertinent information on which we
can base an empirical judgment. Quick confidential ac­
tion. We are principals not brokers. Contact File No. WOC
do Northwestern Banker.
(WTB)

BRANCH MANAGER - handle small business and con­
sumer credits. Med-size community a ffiliate of multibank _
holding company.
$24K W
Additional listings for commercial lending and
trust officers. Resume’ requested.

TOM HAGAN & ASSOCIATES
P.O. Box 12346/2024 Swift
North Kansas City, MO 64116
816/474-6874
“ Serving the Banking Industry Since 1970”

Vol. 17 No. 20 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, $24.00 per year. Second class postage paid at
Dee Moines, Iowa. Address all mall subscriptions, changes of address (Form 3579), manuscripts to Northwestern Banker, 1535 Linden 9

St., #201, Dee Moines, Iowa 50309.
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Federal Reserve Bank of St. Louis