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* Resume Fed Membership Hearings EARINGS on the Fed member H ship issue resume today in the Senate Banking Committee. 4 H K «k, V r •J February 4,1980 Des Moines, Iowa Vol. 8 No. 41 No action has been taken by the Senate panel since November 7, when the committee voted 9-5 that S. 353, a bill proposing to retain optional affiliation with the Fed for reserve-setting purposes, should be the basis for further discussion on this highly controversial issue. Sen. John Tower (R.-Tex.) has amended S. 353 since November 7 to set reserve requirements at 3 % on the first $35 million of member bank transaction accounts (TAs) and from 3 % -10 %, as determined by the Fed, on that portion of TAs over $35 million. In addition, member banks would be required to hold reserves from l%-7% on savings deposits and time deposits of less than 180days maturity. Reserves held with the Fed would be in “Earnings Participation Ac counts” earning interest at V2 % below the average return on the Fed’s securities’ portfolio for the quarter immediately preceding the interest payment date. The new re quirements would be phased in over four years. No official data has been made public as to initial levels at which the Fed would set reserves or how many member banks could satisfy reserve requirements through vault cash. Pricing Services The Fed, 18 months after enact ment of the bill, would be required explicitly to price its services and to charge interest on its float. Fed services would be available to non member banks voluntarily holding reserves with the Fed, at the same fee schedule applicable to member banks. I t is also anticipated th a t an amendment will be offered to S. 353 which would require all depository institutions, upon a unanimous vote of the Fed, to m aintain an emergency supplemental deposit of up to 3% of the total of its first $35 million in TAs and up to 5 % on TAs over $35 million. The emergency supplemental de posit could be required only after consultation by the Fed with the FDIC, FHLBB and NCUA Boards of Directors, plus a finding by the Fed that emergency conditions exist and that such emergency deposits are the only means available to the Fed to maintain effective control over the growth of the monetary base as adjusted for changes in re serve requirements. The supplemental deposits would pay interest at a rate IV2 % below the Fed’s return on its portfolio during the previous quarter. Each supplemental reserve deposit action would be in effect no longer than 12 months, but could be renewed. The supplemental reserve feature would “sunset” at the end of four years after enactment of the bill. Defections An accelerating trend of bank de fections from the Fed continue to weaken the Fed’s ability to conduct monetary policy . . . and thus con trol inflation. It seems that even the regulators are feeling the effects of inflation. Philip E. Coldwell, Fed Board governor, whose term expired last T hursday, said th a t one of the reasons he declined reappointment was that his paycheck of $55,400 could not cover his personal finan cial needs. At the same time, he dis agrees with some other Fed govern ors by demanding a tighter Fed monetary policy. □ Iowa News Tom C. Dunlap has announced his candidacy for the office of presi dent-elect of the Iowa B ankers Association for the 1980-81 term. The election will be conducted ac- ASK MARK CHRISTEN to make MNB work for you. Toll free: 1-800-332-5991 *r Merchants National Bank Member F.D.I.C. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis is i A BANKS OF IOWA' BANK r ------ ----------- -— - — | 2 For availability of funds, knowledgeable people and professional service, call our correspondent bank department. 1-800-362-1615 Central National Bank & Trust Company LOCUST AT 6TH/DES MOINES, IA 50309 MEMBER FDIC a f f il ia t e d w it h c e n t r a l NATIONAL BANCSHARES. INC cording to usual IBA rules by mail ballot starting in August, with re sults announced during the annual convention, September 21-23 in Des Moines. Mr. Dunlap is chairman and pres ident of South Story Bank & Trust in Slater. He was president of the Iowa Independent Bankers in 197677. Mr. Dunlap was elected chair man of Group 2 of the IBA in May, 1976, for a two-year term and as chairman was a member of the IBA executive council during that term. BOONE: James P. O’Connor has been named president of the Boone State Bank. He comes to Boone from Bellevue, Neb., where he was Call 1 800 362-2514 - - to get a lot of help for your m oney. ■ l I I P.O. Box1313, Omaha, Nebraska68101 I Phone: (402)553-6400 I___________________________ Member FDIC A NATIONAL BANK An A ffilia te o f N o rth w e s t B a n c o rp o ra tio n I I I lohn Murano: BANKERS’ BANKER : MANILLA: Gary L. Woods, form erly executive vice president of the Manilla State Bank, has been pro moted to president. W. E. Petersen, who had served as chairman and president, continues as chairman of the board. SAC CITY: Promoted recently at the Sac City State Bank were Larry L. Reding, vice president to execu tive vice president; Frank C. Strain and Neil Stadlman, assistant vice president to vice president, and E. Lynn M innmann and David O. Jones, assistant cashier to assistant vice president. Nebraska News BELLEVUE: Timothy J. Dacey Jr. has been named chairman and chief executive officer of the Bank of Bellevue. Formerly president, he succeeds Hugh W. Campbell, one of the bank’s co-founders, who has re signed but who will remain on the board. Gary L. Parker, formerly executive vice president, has been named president and chief operating officer. CAMPBELL: William C. Peterson has been promoted from executive vice president to president of the Campbell State Bank. Don Bailey, formerly president, will remain chairman of the board. FALLS CITY: Merle L. Veigel has been promoted from vice president and trust officer to senior vice presi dent and trust officer at the First j*» ljj 1 Banco ® i PI g nesNVomes https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis l Charles E. Walters Co., Inc. 1 IOWA. A i I Please Contact: J. Mason Henry Bob Buenneke S p^ i □ I would like to sell my majority bank stock. □ I would like to buy ma jority bank stock. president of the Southroads Bank. T O L L FR EE 4 i GARY STEVENSON Vice President National Bank & Trust Co. Blake A. Matousek, assistant vice president, was named a vice president. KEARNEY: Named recently at the Platte Valley State Bank & Trust Co. were W ayne R. McKinney, chairman and chief executive offi cer; Norman A. Schmidt, president; Keith A. King, senior vice president, and Mark B. Slaughter, vice president. KEARNEY : Kearney State Bank & NOTICE: Iowa and N ebraska b an k s— please return your bank directory questionnaires to the Northwestern Banker as soon as possible. These forms were mailed out on January 7 and we need them to begin work on the 1980 editions of the Iowa and Nebraska Bank Directories. Gary Stevenson Y ou r M an on th e F irst T eam . 712/277-1500 First National Bank in Sioux City • A 'BANKS OF IOWA’ BANK * y ñ 4- 4-1 Carleton D. Beh Co. Supplement to Northwestern Banker Newletter 2-4-80 Investment Bankers/Financial Consultants NEW ISSUE MOODY’S: Aa $4 , 800,000 AREA XI DES MOINES AREA COM M UNITY COLLEGE, IOWA Capital Loan Notes Dated: February 1,1980 Denomination: $5,000 Both principal and semiannual interest (June 30 and December 31, first coupon due June 30,1980) payable at the offices of the Bankers Trust Company, Des Moines, Iowa. IN THE OPINION OF COUNSEL INTEREST ON THESE NOTES IS EXEMPT FROM ALL PRESENT FEDERAL INCOME TAXES, IOWA FRANCHISE TAX AND ALL PROPERTY TAXATION IN THE STATE OF IOWA. MATURITIES 6.40% $1,500,000 June 30,1983 6.20 1.600.000 June 30,1984 6.20 1.700.000 June 30,1985 6.20 LEGALITY TO BE APPROVED BY AHLERS, COONEY, DORWEILER, HAYNIE& SMITH, ATTORNEYS, DES MOINES, IOWA Area XI Des Moines Area Community College includes all or portions of Adair, Audubon, Boone, Carroll, Cass, Clarke, Crawford, Dallas, Greene, Guthrie, Hamilton, Hardin, Jasper, Lucas, Madison, Mahaska, Marion, Marshall, Polk, Poweshiek, Shelby, Story and Warren Counties, Iowa. It is the largest political subdivision in the State of Iowa and is exceeded in its actual and assessed value only by the State itself. The Community College includes within its boundaries the City of Des Moines and 125 other cities, the County of Polk and parts of twenty-two other counties, and the Des Moines Independent Community School District and 62 other school districts. The population of the District is estimated at 600,000 and the land area at 4,198,400 acres. Area XI Des Moines Community College was founded in March, 1966, pursuant to Chapter 280A, Code of Iowa, as amended. The boundaries of the College were established by action of the County Boards of Education with the approval of the State Board of Education. The State of Iowa, following this legislation, was divided into fifteen Area Education Agencies with identical boundaries to fifteen merged area schools. The legislative purpose was to provide for area vocational schools and area community colleges. Area XI Des Moines Community College accepted its first students in February, 1967, providing five career programs at one campus in Ankeny, Iowa, located six miles north of Des Moines. Currently the college offers more than 55 major career programs, as well as 15 career oriented college transfer programs. During the 1978/1979 school year the college served approximately 51,630 people on five ongoing attendance centers: Ankeny, Boone, Des Moines (2) and Carroll. In addition, classes are held in more than 50 locations throughout the college district. The land area within the District is approximately 11% of the total land area of the State. Approximately 20% of the State’s population reside within the District. These notes are being issued under the provisions of Section 280A, Code of Iowa, 1979, for the purpose of paying a portion of the cost of the Community College’s capital improvement program. The authorization forthis issuance at the general election held on September 11, 1979, was approved by the electorate by a vote of 18,334 “ yes” to 10,986 “ no” . In the opinion of counsel, these notes are valid and legally binding upon the Merged Area in accordance with their terms, and all taxable property in the Merged Area is subject to the levy of taxes to pay the same, unless paid from other sources. FINANCIAL STATEMENT Actual and assessed value of taxable property, 1978-79 Actual and assessed value of taxable property, 1978-79 (net of tax allocation in Des Moines) Direct debt, including this issue Total underlying debt Cities $93,885,000 Schools 80,181,000 Counties 18,059,581____ Total direct and underlying debt Population, 1980 estimate: 600,000 Land area: 4,198,400 acres $8,975,680,959 8,931,421,350 9,280,000 192,125,581 201,405,581 Direct debt per capita: $ 15.47 Total debt per capita: 335.67 Direct debt per acre: 2.21 Total debt per acre: 47.97 Tax collections have approximated 101.9% of taxes levied for the past five years. We own and offer subject to prior sale and change in price and subject to our attorney’s approving opinion The information contained herein is not guaranteed, but is derived from sources we deem reliable and is that on which our purchase of these bonds was based. Offered subject to prior sale and change in price. Des M oines B u ilding • Des M oines, iowa 50309 • 515-288-2152 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 607 M a rq u e tte Ave. • M in ne a p o lis, M innesota 55402 • 612-332-8825 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis : “ Scoreboards have given our bank the penetration we were seeking in our trade area and have added a new dimension to our marketing program." X X "Xf -4 4 Time and Temperature System with Indoor Display », Market penetration and awareness was achieved through the sponsorship of Athletic Scoreboards by the FARMERS STATE BANK of Parkston, South Dakota. -y * Baseball Legion Park Parkston, SD — 4 •4 Baseball Ethan Ethan, SD — W Baseball Dimock Dimock, SD — w Football Parkston High Parkston, SD — » Vern £. Bormann President Farmers State Bank Parkston, South Dakota XIII OLYMPIC WINTER y y y GAMES mm • LAKE PLACID 1980 The popularity of a time & temperature system with an indoor display, coupled with an active civic interest, prompted the sponsorship of Athletic Scoreboards for the small communities in the Parkston area. Donor panels were displayed on each scoreboard, giving the bank identification with athletic and youth programs in the area. DAKTRONICS can help your bank with a similar program to serve your city or community. Give us a collect call at [605] 692-6145 or drop a card in the mail and our representative will contact you with the necessary information. AKTRONICS, INC. W — l i M i i aS i https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Box 128 Brookings. SD 57006 Telephone [605] 692-6145 Supplement to Northwestern Bank Newsletter 2/4/8 0 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis a a i i Aài T u e V/MLL u n 1n c u n r n r a d i i a bi/^c rc n ru m v iM N U L t c a 11» 1 cmivi where com m on transactions are handled uncom m only well. ■ M il FIRST NATICDNALLINCOL N 13th & M Street • Lincoln, Nebraska 6 8501 • Member, F.D. I.C. Trust Co. has received consent from the state department of banking and finance to establish a detached auxiliary teller office-at 2404 Ave. A here. LAUREL: Richard E. Adkins Jr. has been named executive vice pres ident of the Security National Bank. B. D. Pehrson has been named vice president; Jerry Schroeder, assist ant vice president, and Duane Stingley, cashier. OMAHA: The Omaha N ational Bank has opened CBCT units at four Omaha locations. Illinois News CICERO: Joseph J. Schuessler has been elected chairm an and chief executive officer of the First Na tional Bank of Cicero, succeeding CarlL. Oberwortmann. Mr. Schues sler was formerly president of Mar quette National Bank in Chicago. James P. Krcmarik, formerly the bank’s executive vice president, has been elected president. Frank A. Lhotka, vice president, has been promoted to executive vice presi dent. GREENVILLE: Michael T. Jackson has been named president of First Bank & Trust Co. of Greenville succeeding his father, James M. Jackson, who was named chairman of the board. The new president joined the bank in 1971 and most re cently served as senior vice presi dent. Minnesota News BRANCH: Organizers of the pro posed Community National Bank here have received charter approval from the Comptroller of the Cur rency. The bank’s agent is Winston W. Borders. HAM LAKE: The Crosstown State Bank of Cedar has received consent from the sta te commissioner of banks to relocate its charter to Ham Lake and operate under the name of the Crosstown State Bank of Ham Lake. ST. PAUL: Jam es W. Reagan, president and chief executive officer of American National Bank & Trust Co. , announced formation, of a new executive m anagem ent group to assist him in strategic planning, policy form ulation and m anage ment. Named to the newly-created posts of group vice president report ing directly to him are Ronald M. Bosrock, group vice president-con sumer; Joseph E. Edell, group vice president-operations, and David M. Hyduke, group vice president-com mercial. South Dakota News TRIPP: K. G. Klatt has been elect ed chairman of the Dakota State Bank here. He had served as presi dent of the bank since 1956. K. Jon Klatt was elected president, having joined the bank as executive vice president last August. BANKERS PARTICIPATING I l£ a s e P la n ,ln c . 5 45 - 31st Street Des Moines, Io w a 50312 R. L. “ DICK” SELLON • P.D. “DUANE” DEVAULT Montana News HELENA: Frank Shaw has been promoted from vice president to senior vice president at Northwest ern Bank of Helena. Other appoint- We’re Committed. For ag overlines, data processing, investment ser vices and all your correspondent banking needs, think of your Security Banker. We’re committed to helping you! W ayne Joh n so n Senior C orrespondent Banking Officer 712/277-6526 SECURITY NATIONAL BANK https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis SIOUX CITY, IOWA 51101 MEMBER F.D.I.C. © 1979 sn b Estate Appraisals Purchase of Collections Sale of Rare Coins Reliable and respected service for over 20 years Used by bankers throughout the midwest Ben E. Marlenee Coins 913 Locust Des Moines, Iowa 50309 515-243-8064 ments include Sadie Hunter, cash ier; Mike Mundt, real estate loan officer, and Tom Gould, instalment loan officer. Wyoming News CASPER: Organizers of the pro posed M ountain Plaza N ational Bank here have received charter approval from the Comptroller of the Currency. The bank’s agent is N. Paul Van Maren Jr. RAWLINS: Sherrod France, presi dent of Rawlins National Bank, has announced the promotion of-Charlotte Smith from assistant cashier and head teller to assistant vice president for operations-personnel. Named assistant cashiers were Judy Packard and Maureen Hall. Also, Richard Reynders, a University of Wyoming graduate who joined the bank in March, 1979, has been elect ed trust officer. Electronic Terminal Insurance Policy 1. Provides coverage for the Terminal 2. Provides coverage for the Bank Customer 3. Provides coverage for the Bank 4. Broadest coverage available WANT ADS Rates 50 cents per word per insertion. Ad $2 for file numbers. Identity of file number advertisers cannot be revealed. Payment in advance, please. NORTHWESTERN BANKER 306-15th St., Des Moines, Iowa50309 FOR SALE OR LEASE Available for Immediate delivery. Instant modular drive-in teller units. Ideal for expansion or to establish a remote drive-in. Prebuilt, ready to install on your site — requires only electrical hookup. Includes all equip ment needed— electric heat and air conditioned, con duit for alarm and phone. Write for brochure of other size drive-in systems, branches and modular auto matic teller machine buildings. FINANCIAL PRODUCTS, INC. P.O. Box 1035 Eau Claire, Wisconsin 54701 Phone: (715) 835-8160 POSITION AVAILABLE C.E.O . position open in $18 million bank in Iowa. Pre fer mature person with ag lending background. Write Malcolm Freeland, c /o Northwestern Banker. (PA) $18 million north central Iowa bank looking for an in dividual with 1-5 years experience in bank operations or related area; loan background would be helpful. Future advancement excellent. Salary commensurate with experience. W rite file JBB, c /o Northwestern Banker._______________________________ (PA) Second Off leer for $12 million independent Montana bank. Must understand credit and be able to work effectively with farmers, ranchers and businessmen. Send resume to Charles Ferris at First Security Bank, Malta, Mont. 59538. Phone (406)654-2221. (PA) Bank holding company data processing subsidiary seeks a systems coordinator to join their team. Must have at least two years of bank operations experience with emphasis on accounting. State-wide travel re quired. Send resume in confidence to Charles M. H uebner at W yom in g B an co rp ., P.O . Box 1706, Cheyenne, Wyo. 82001. (PA) __________ An Equal Opportunity Employer_________ Bank holding company in northwestern Iowa seeks in dividual to manage leasing company. Duties include customer development, credit analysis, and some accounting. Send resume to Doug Heppner at Citizens First National Bank, Storm Lake, la. 50588.______ (PA) AG CREDIT CAREERS AG LENDING OFFICER . . . Southeastern Minne sota ................................................... $1,5-$20,000. Northwest Illinois . . . . . . $17-$20,000 AG LENDING OFFICER ASSISTANT CASHIER. . . Central Io w a ............... ........ .........................................................$14-$16,000 A SSISTA N TVP. . . PCA . AG LOAN O FFICER. Io w a . . . .$17-23,000 Northern Iowa ......... ..................... $15-$17,000 CREDIT SUPERVISOR. . . Major Equipment Firm . . . two openings: 1 .IA 2 .M N & W I ................... $15-$20,000 Since 1968, employers have been paying us to find the people they need. For details, call Linda, our banking and credit specialist. INC A GRICULTURAL PERSONNEL RECRUITERS (515)394-3145 New Hampton, IA 50659 flUTCMfiTED SVSTECTIS □F lawñjnc. 301 N. Ankeny Blvd., Suite 220 Ankeny, la 50021 515-964-1358 POSITION WANTED Are you tooking for some quality help? W ell, stop looking! Red Wing AVTI has a class graduating from its Rural Banking and Ag Finance Program just wait ing forachallenge. Students have had extensive study in all loan and insurance functions as well as manage ment/supervision. Graduates will be ready for on-thejob training approximately April 1, 1980. For inter views contact Terri Beckman, Instructor, Red Wing A V T I, Red W in g , M in n . 5 5066. O r phone (612) 388-8271.____________________________________ (PW) Cashier, with eight years operations experience in banks of $20-600 million, seeks management position in Iowa bank. W rite file JBC, c /o Northwestern Banker. (PW) Head of $8 million trust department wishes to become head of a larger trust department and / or become more involved with other banking activities. Write file JBE, c l o Northwestern Banker._____________________(PW) C .E.O . or Sr. Loan Officer position wanted by 35-yeardld ag-oriented banker, who has commercial lending, investment and operations experience. Now employ ed— but wish to relocate with progressive banking institution. Write or call Malcolm Freeland, c /o North____________________ (PW) western Banker. Operations Officer now employed, seeks new oppor tunity as second man in community bank. W rite or call. Malcolm Freeland, c /o Northwestern Banker. (PW) PARTIAL LIST OF AVAILABLE APPLICANTS LENDER/OPERATIONS— Is In charge of operations, tellers and reports. Loan experience in installment, student and real estate. Good general background. $16,000. ASST. CASHIER— Handles correspondent accounts and money transfers. Responsible for general ledger and bond portfolio. Evaluates accuracy of file docu mentation. $14,000. LENDER— Installment experience includes interview ing applicants, approving or rejecting loans, closings and collections. Opens new accounts and completes month-ènd reports for top management. $14,000. REAL ESTATE— Responsible for all servicing duties: delinquency calls, escrow analysis and payments, assumptions, payoffs, etc. Also generation of new m ortgage lo an s, C ustom er c a llin g and re te n tio n . $17,500. « AG OFFICER— BS in ag business and has completed Ag Credit School. Seven plus years bank experience in operations and ag lending. $20,000. V P /L E N D IN G — Extends credit in all areas of lending. Responsible for banks conformity to state and federal banking loans. Experience in commercial, SBA, in stallment and real estate loans. $23,000. VP— Head of commercial, agri and real estate loan "departments. Has supervisory experience. Grants loans and handles collections. Also works as compli ance officer. $25,000. CEO— Primary responsibilities have been commercial loans, operations and bank offices. Additional duties are advertising and business development. Experi ence includes new charters and the purchase of a bank. $30,000. ALL FEES PAID BY MANAGEMENT FOR FURTHER INFORMATION RESPOND IN CONFIDENCETO: Bank Division ROBERT HALF of Iowa, Inc. 317 6th Ave. Des Moines, IA 50309 (515) 244-4414 GENERAL SERVICES REDUCE CREDIT LOSSES. We collect your overdue bills nation-wide without charging collection agency fees. Results guaranteed. Free sample kit. Handcraft, Dept. 010-1, Box 32526, Jamaica, NY 11431. (GS) FOR SALE Five-window teller counter, walnut and marble, excel lent condition. Farmers Savings Bank, Kalona, la. 52247. Phone (319)656-2265.___________________ (FS) Diebold Record Safe. Electric top door, fire rated, 10 cubic feet interior; checks, securities. New cost $13,000. $5,600 or best offer. Call Bob at (402) 571-2300.____________________________________ (FS) Bell & Howell D irec to r^ Micro-Filmer with imprinterendorser. 44-X camera for filming dual sides. Under maintenance contract. Clutier State Bank, Clutier, la. 52217. Phone(319)479-2522.___________________ (FS) Burroughs S1100 Single Pocket Proof, used less than one year; continuous maintenance $2,400. Also 3M “ 4 00 ” R e a d e r-P rin te r fo r m ic ro film $50. C ontact Kempton Bank (815)253-6271. _______________ (FS) WANTTOBUY Used Burroughs Sensimatic or similar equipment suitable for posting of liability and general ledgers. Call Wendell at (507)962-3250.________________(WTB) AVAILABLE POSITIONS C .E .O .— Rural Minnesota with stock available. Maturity and administration skills re quired....................... 35K E .V .P .— Strong lending and willingness to re side in small community close to metro area. Ownership position possible............. 30K JR. COMMERCIAL LOAN— Medium size bank in rocky mountain state seeks addition to staff ............................................................18K AG LOAN— 3-5 years agri loan experience de sired. Insurance licenses helpful. Iowa location................................... 22K E .V .P .— Medium size suburban bank. Lending experience a must. Northern state................ 30K LOAN OFFICER— Degree & farm background preferred for position in rural Iowa. Some banking experience necessary. . . . 18K SECOND OFFICER— Excellent opportunity in small Nebraska bank. Would consider training someone with one to two years experience.......................................................... 16K TR U S T O F F IC E R — Head of d e p a rtm e n t in medium size Iowa bank. Prefer law de gree and ability to develop business...........25K AUDITOR— Small 3-bank holding company in metro area. Accounting degree and 2-3 years audit experience..................................... 20K FARM REP— Would consider graduate of voc. ag. school. Need some col lege and farm background; bank exp e rien ce not necessary............................................................12K Sample listing. If you are seeking a change forward resume and salary history in confidence to: TOM HAGAN & ASSOCIATES P.O. Box 12346 / 2024 Swift North Kansas City, Missouri 64116 __________________(816)474-6874_________________ Vol. 8 No. 41 Northwestern Banker Newsletter [USPS 873-300] is published weekly by the Northwestern Banker Company, 306 Fifteenth Street, Des Moines, Iowa 50309. Subscriptions 25 cents per copy, $8,00 per year. Second class postage paid at Des Moines, Iowa. Address all mail subscriptions, changes of address [Form 3579], manuscripts, mall Items to above address. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis