Full text of The Northwestern Banker : June 3, 1985 : Northwestern Banker Newsletter, Vol. 14, No. 7

The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.

•

Vol. 14 No. 7

Des Moines, Iowa

June 3,1985
will have an “ innovative and compe­
titive effect on the market for finan­
cial resources in Florida,” calling
that assertion “ erroneous” for it
deters the State of Florida’s rightful
policy of having local money avail­
able for local development.
The IB A A hailed the Appeals
Court decision. The A B A Leader­
ship Council had called on Congress
to close the nonbank loophole.
□

Court Says No-No to Nonbank Banks
a

^

0

0

®

®

®

_
®

P

OR the second time in two
months, southern courts have
dealt severe blows to the nonbank
banks that were granted charters so
liberally by the Federal Reserve
Board and the Comptroller of the
Currency. The latest setback for
nonbank bank a d voca tes was
handed down May 21 by the three
judges comprising the U.S. Circuit
Court of Appeals for the 11 th Cir­
cuit Court in Atlanta.
The judges reversed a March,
1984, decision of the Federal Re­
serve Board that permitted U.S.
Trust Corp. o f New York to convert
its Florida trust operation into a
“ nonbank bank" that would offer all
banking services except commercial
loans.
Fed Violated BHC A ct
Circuit Court Judge John R.
Brown wrote on behalf o f his col­
leagues that the Fed’s action actual­
ly violated Bank Holding Company
intent which is to allow a state to
decide itself whether it wants to
open its borders to out-of-state
banks.
Judge Brown said that even
though the U.S. Trust subsidiary
would technically not fit the Fed’s
definition of a “ bank,” the Fed
Board should have looked beyond
that narrow interpretation. “ We
hold that the board should have

used its power under (the law) to pre­
vent expansion of U.S. Trust of the
fundamental purpose of the (Bank
Holding Company) A ct,” Judge
Brown wrote.
When the Fed OKd the U.S. Trust
application in 1984, the Florida
Bankers Association and the Comp­
troller of the State of Florida joined
in suing the Fed over the decision.
The Appeals Court verdict is a re­
sult of that suit.
IB A A Halts Comptroller
The other recent setback for non­
bank banks also came in Florida
when the Independent Bankers A s­
sociation of America prevailed in its
suit against the Comptroller for
granting nonbank bank charters in
that state. The suit still is in the
courts, but in April the district
court in Jacksonville, Fla., granted a
preliminary injunction prohibiting
the Comptroller from issuing final
approval notices for those charters
he had granted. The court stated fur­
ther that its injunction applied na­
tionwide, not just to the nonbank
bank charters the Comptroller had
granted in Florida.
Along with those two courts deci­
sions, a number of states have
passed legislation prohibiting such
charters within their boundaries.
Judge Brow n negated U .S.
Trust’s contention that its nonbank

Iowa News
The Iowa Bankers Association is
s p o n s o r in g a P ro b le m L oa n
Workshop June 13-14 at the Savery
Hotel in Des Moines. The program
will feature John Barrickman, ex­
pert and instructor in the area of
problem loans and senior vice presi­
dent of the Bank of Earnings Inter­
national in Atlanta, Ga. Registra­
tion begins June 13 at 8:30 with the
workshop running from 9:00 to 5:00,
with lunch from noon to 1:00. On
June 14 the workshop runs from
8:30 to 4:30, with lunch noon to 1:00.
Registration may be made through
the IB A office in Des Moines.
DES MOINES: Stanley R. Engel
has been elected to vice president in
the lending division of Valley Na­
tional Bank. He was previously as­
sistant vice president with First Na­
tional Bank & Trust Company of
Bismarck, N. Dak.
DES MOINES: K. David Elgena

ASK TERRY MARTIN
iSSU

to m ake M N B w ork for you.
Toll free: 1-800-332-5991

Merchants National Bank isi
M e m b e r F .D .I.C .


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

A B A N K S O F IO W A ’ BA N K

2

M k am
ammmm

Norwest Bank Des Moines, N.A.

Serving bankers quietly and efficiently.

Call (515) 245-3131 or toll-free (800) 362-2514

NORWEST BANKS

m
m
m
m
m

Member FDIC

amyam

CAPITAL PERSONNEL SERVICE
714 U.C.B. Building, 515-283-2545
Des Moines, Iowa 50309

Yearn work:
one of the reasons
we’re first in Iowa.
John Cretzmeyer

John Rigler

has been appointed senior vice presi­
dent and manager of Norwest card
services for Norwest Bank Des
Moines. He previously served as
operating manager for the division,
having joined Norwest in 1973.
INDEPENDENCE: C.A. Handfelt
has retired from Security State
Bank after 30 years of service. He
has been president of the bank since
1976. Mr. Handfelt will remain as a
trust officer at Security State and as
president of Independence Bancshares Inc. Gary Short was elected
the new president, having served as
executive vice president of the bank
since 1982.

Nebraska News
Ogallala banker Mel Adams has
taken over as president o f the Neb­
raska Bankers Association, and
York County banker C.G. Holthus
was named president-elect of the
bankers group. Mr. Adams succeeds
A.C. Hove. He is chairman o f the
Adams Banks.
* * *
In a surprise move on May 29, the
Nebraska Legislature adopted 26-8
a motion by Sen. John DeCamp to
substitute the Nebraska Bankers
Association’s suggested alternative
taxing plan for banks to replace LB
717, which had been opposed by the
NBA. The alternative had been
formed by N BA at the invitation of
the Legislature’s Revenue Commit­
tee.

The N BA alternative was com­
pleted May 7 by N BA leaders, dis­
cussed with the membership at the
N BA state convention on May 8 and
handed to the Revenue Committee,
which rejected it. The alternative
calls for a 5% tax rate on financial
income listed on a bank’s call report.
A credit of one-half per cent (4V& tax
rate) then would be given for banks
with municipal and federal securi­
ties of less than 12 % of assets, and a
credit of one per cent (4% tax rate)
for those banks with municipal and
federal securities in excess o f 12 % of
assets. Each bank then would figure
a tax based on 40$ per thousand of
total average deposits. Whichever
tax is larger of the two methods is
the one the bank would pay the
state.
A motion to reconsider Sen.
DeCamp’s amendment lost 24-20
and the bill then was advanced to
final reading 27-0. Final action is ex­
pected this week, although there is a
threat of veto by Gov. Kerrey.
* * *
The

Nebraska

Department

this week, June 3-7 at five locations
to explain its voluntary program of
“ self-examination” bank reports.
Details were described in an ex­
clusive article in the May N o r t h ­
w e s t e r n B a n k e r . Glenn W. Calla­
way, assistant director, and Tom
Shambo, computer staff, will con­
duct the seminars. All Nebraska

Count on the FNB
team for any
Correspondent service.
Gary Stevenson

712/277-0610

' i " t " ' uu‘ u

BELLEVUE: A t the Bank o f Belle­
vue, Carl Comte has been named
vice president in charge of branch fa­
cilities administration. Prior to joining the bank in 1979, Mr. Comte
served as assistant chief o f staff at
Strategic Air Command headquar­
ters.
LINCOLN: The National Bank of
Commerce has announced the resig­
nation of Thomas D. Potter, presi­
dent and CEO. He plans to partici­
pate in the development of a com­
pany in the field of information
technology. On August 1, when the
resignation becomes effective, Jim
Stuart, Jr. will assume the responsi­
bilities of chairman and chief execu­
tive officer. He is currently president of Commerce Group, Inc., the
parent of NBC. Tom Henning, who
is currently president and CEO of
Overland National Bank of Grand
Island, will become the new president.
O M AH A: Maryland National Bank,
Baltimore, has signed a preliminary
agreement with Norwest Corp. to
buy Norwest American Bank S.A., a
Luxembourg- chartered bank. The
sale is subject to approval by
Luxembourg and U.S. regulatory
authorities. Terms of the agreement
were not disclosed. On March 31,
Norwest American Bank had assets
of $178 million, a loan portfolio of
$117 million and capital and re­
serves of $ 12.2 million.

0

0

^

#

•

®

•

0

0

#

Wisconsin News
Lon Kelling

First National Bank iü
Member FDIC • Sioux City • A B A N K S O F IO W A’ BANK


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

of

Banking will hold daily seminars

banks, both state and national, as
well as s&ls and credit unions are in­
vited. A fee of $10 will cover costs of
the meetings which run from 9 a.m.
to about 3 p.m. They are scheduled
for: Monday—Ogallala Holiday Inn;
Tuesday—Kearney H oliday Inn;
W ednesday—N orfolk Villa Inn;
Thursday—York Camelot; Friday—
Omaha New Tower.

SHEBOYGAN: John S. Williams
has been promoted to regional vice
president of First Interstate Bank of
Wisconsin. He was formerly assis­
tant vice president of business bank­
ing at the bank, deeding with business accounts in Sheboygan.

#

#

Supplement to Northwestern Banker Newsletter 6-3-85

W here success is
etched in quality.
he success of your bond

JLJ portfolio is a function of quality
investments. After all, quality is your
best assurance of growth in earnings.
United Missouri’s Investm ent
Banking Division can m ake
sure you’re investing in high quality
securities. W e offer exactly w hat

you want. And, for over 50 years, our
track record for m aking successful
recom m endations has been
excellent. Undoubtedly due to our
consistently high standards.
Call or write us today. W e’ll
hold your investm ent information in
the strictest confidence.

Investment Banking Division

UNITED MISSOURI BANK
of KansasCity n.a.
Member FDIC

United we grow .logether.
10th and Grand o P.O. Box 2260 Kansas City, Missouri 64t41
(816)556-7200' j


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

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

3

Call on the “ Experienced Professionals”
Ready to meet your
^
First National Lincoln
correspondent needs.
Montana News
The Montana Bankers Associa­
tion is sponsoring a Real Estate
Lending Conference on June 13-14
at the Outlaw Inn in Kalispell.
The program will feature Scott
Potter speaking on qualifying the
self-employed borrower, and Mark
Simmons of the Montana Economic
Board discussing the “ Industrial
Revenue Bond Program.”
Registration begins at 8:00 a.m.
on June 13, with the conference com­
mencing at 9:00, lunch at 12:15, and
an afternoon session from 1:30-4:45.
On June 14, the conference will run
from 8:00 a.m. to noon. For more in­
formation or to register, contact the
M B A office in Helena.
G REAT FALLS: LaVonne R. Kirkhom has been elected vice president
and manager at First Bank West
Great Falls. She succeeds Phillip B.
Johnson who has been named execu­
tive vice president at affiliate First
Bank Helena. She joined the bank as
vice president and assistant man­
ager in November 1984, having pre­
viously held positions at First Bank
Great Falls since 1968.

Minnesota News
B L O O M IN G T O N : M ichael R.
McHugh has been named executive
vice president at Norwest Bank
Bloomington. He has been with the
bank since 1981.
HOPKINS: William G. Weiler has
been elected president and a director

KREJCI

&

ASSOCIATES

'

• C o lle c t io n s / L o a n W o r k o u t s
• C o lla te r a l L iq u id a tio n s
• L o a n P o lic y & P r o c e d u r e
• D o c u m e n ta t io n / C o m p lia n c e
• B a n k O p e r a t io n s
• P ric in g B a n k S e r v ic e s

a ra r i
1K i w i 1
1
1
1
1

Digitized for___________
FRASER s_____________________________
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

North Dakota News
BISM ARCK: The Bismarck State
Bank is under new ownership, but
the change will not effect staff or
policies. The new owners are Arthur

Estate Appraisals
Purchaseof
Collections
Saleof RareCoins

Ben E . M arlenee
Coins

krejci and associates
Fmancial/Manaqement Services
12605 So u th d a le D rive
O m aha, N e b ra sk a 68137

)

streets, unœin,

ne

æ soi

A. Link, James J. Moses, Joseph M.
Hauer, Albert A. W olf and Myron
Pfeifle. The five men will serve as
board of directors, with Mr. Pfeifle
as bank president.

COOPERSTOWN: Joe Thomas has
been named vice president o f the
First Bank. He most recently served
M INNEAPOLIS: Richard P. Ferris as senior vice president o f the Amer­
and Scott M. Peterson have both ican State Bank of Erskine, Minn.
been named vice president, cash
MINOT: Richard A. Campbell has
management at Norwest Bank Min­
been appointed vice president and
neapolis. Mr. Ferris joined the bank
manager o f commercial banking at
in 1982 as assistant vice president in
Norwest Bank Minot. He has served
the national accounts department.
the bank in various positions since
Mr. Peterson has been at the bank
1970, most recently assistant vice
since 1983, most recently as assis­
president.
tant vice president and manager of
cash management product develop­ NORTHWOOD: Northwood State
Bank has named Cecil Tinderholt as
ment.
its president. He has been executive
South Dakota News
vice president and chief operating
HURLEY: Dean Witter Financial officer since January o f 1985. D.R.
Services Group, a Sears subsidiary, Larson was elected to the board of
has reached an agreement in prin­ directors. He is a senior vice presi­
ciple to acquire the $12 million asset dent with First National Bank in
Hurley State Bank. Hurley State Grand Forks.
would then join with the Greenwood
Trust Co. in Greenwood, Del. in sup­
FIN AN CIAL
porting Sears’ planned credit and fi­
PLACEM ENTS
nancial services card, Discover. A
a division of BANK NEWS
source said Sears will pay three
times the book value, or $3 million,
Call
for the bank, but officials would not
Larry Vohs
comment on the purchase price.

l sed by h ankers
th rou g h ou t the m idw est

Available on an interim basis.
More than 19 years experience.
References available on request.

m

of Norwest Bank MetroWest, N.A.
He succeeds William D. Wilkening,
who has been elected president and
chief operating officer at Norwest
Bank Bloomington, N.A. M ost re­
cently Mr. Weiler was vice president/loan administration at Norwest
Bank Bloomington.

R e lia b le and resp ected serv ice
fo r ov e r 20 years

• P e rso n n e l M a n a g e m e n t

l

13th &

913 L o c u s t
D e s M o in e s , Io w a 50 309
515-2 43-8 06 4

816 /421-7941
Job Openings

Hiring the right person has a favora­
ble impact on your bank’s earnings.
Hiring that person through Financial
Placements is the first step.
Our candidates are the best you’ll
find, and as it has been for 18 years,
our cost to you is generally 30% less
than most of our competition.
Give us the opportunity to show you
what we can do.
FINANCIAL PLACEMENTS,
P.O. Box 13786, K.C., Mo. 64199
If you are interested in a career
move, mail your resume in strict confi­
dence to FINANCIAL PLACEMENTS,
P.O. Box 13786, K.C., Mo. 64199, or call
816-421-7941.

BANK PRESIDENT
Southwestern Minnesota $55M bank is seeking
Chief Executive Officer. Candidate must have
good lending background with emphasis on com­
mercial and agricultural lending most beneficial.
Position requires solid knowledge of the banking
industry, strong administrative and leadership
skills. Candidate must be willing to take an active
role In providing community leadership. Send re­
sume and salary requirements to:

Ag Banking Specialists
Let us help with your career advancement or staffing
needs. Call in confidence, without obligation. Employ­
ers pay our reasonable fee to hire the best.

Financial Careers
NUMBER TWO person for $40 million bank in Wisconsin
resort area. Requires commercial lending experience . . . .
....................................................................... Salary to $40,000

COMMERCIAL LENDER with five or more years experi­
ence and college degree for $125 million midwest bank.
Excellent future.................................................... Salary open

COMMERCIAL LENDER with three years experience and
college degree for $50 million midwest b a n k .......................
.............................................................................. Salary $30,000

Martlee Olson
Bremer Financial Services, Inc., Suite 700
55 East Fifth 8treet, St. Paul, MN 55101.

COMMERCIAL LENDER with five or more years experi­
ence and college degree for bank in university community
.............................................................................. Salary $40,000

Equal Opportunity Employer

CORRESPONDENT BANKER with ag loan experience
wanted by $200 million midwestern bank . .Salary $30,000
Linda 515/394-5827
New Hampton, la. 50659

POSITION AVAILABLE

Jean 515/263-9598 (W/F)
712/779-3567 (M/T/TH)
Massena, Iowa 50853

AG LENDER for $23 million bank in northern Iowa .............
....................................................................... Salary to $35,000

COMMERCIAL LENDER with three to five years experi­
ence In both commercial and mortgage le n d in g .................
.............................................................................. Salary $32,000

VICE PRESIDENT-LOAN DEPARTMENT $40mm NW Iowa

AG LENDER with five or more years proven ability for

bank seeks candidate with 4-6 years ag lending experi­
ence. Good advancement opportunities. Contact John
Bowen, EVP, Hawkeye Bank & Trust, Spencer, Iowa.
Phone: 712/262-1940.
(PA)
Eastern Iowa bank seeking a self motivated individual with
2-5 years loan experience. Available position will focus on
AG LOANS but will also Include commercial, real estate,
consumer loans, and collections. Excellent opportunity,
good benefits. Send resume and salary requirements to
file WDF, c/o Northwestern Banker.
(PA)

AG LOAN OFFICER— $26 MM NE Iowa bank has opening
for an ag-loan officer with 2-3 years experience. Salary and
benefits commensurate with education and experience.
Send resume to file WDG, c/o Northwestern Bank.
(PA)

ASSISTANT TRUST OFFICER for Eastern Nebraska Bank.
Trust assets of $27,000,000. Candidate should have 2 +
years experience in trust department or equivalent. Some
investment experience helpful. Send resume to Thomas G.
Kelly, Assistant Trust Officer, First National Bank & Trust
Co. of Fremont, P.O. Box 1209, Fremont, Ne. 68025.
(PA)

PRESIDENT for $100 million Independent S. Dak. bank. Ag
and commercial lending a must. Knowledgeable In all
areas of banking. Capable of supervising people and pro­
moting the bank. An excellent opportunity and benefits.
Send complete resume, references and salary require­
ments to file WDH c/o Northwestern Banker.
(PA)
AG LOAN OFFICER for $70 million eastern Iowa bank. In­
dividual must have minimum of five years ag lending ex­
perience and be self-motivated. Excellent opportunity,
good benefits. Send resume, references and salary re­
quirements to file WDI, c/o Northwestern Banker.
(PA)

BANK CONSULTING FOR LENDING
Work-out loan assistance, comm./ag loan
review, documentation audit, loan pro­
cedures, training. 8 yrs. exp. loan review/loan
officer/bank counsel.
Daniel W. Hansen
3827 Lindiavista, Des Moines, la. 50310
Phone: 515-278-9174

northern Iowa bank .........................................Salary $32,000

POSITIONS AVAILABLE
COMMERCIAL LENDER •Central Iowa. 5 yrs. exp.
To $40K.

AG OR COMM A INSTALLMENT LENDER Omaha. To $35K.

CEO •East Nebraska - 20 yrs. exp. To $60K.
Richard L. Beam, CPC
GUMBERT EXECUTIVE EXCHANGE, INC.
11246 Davenport Street
Omljfei NE 68154
Phone: 402/330-3260
Member National Personnel Associates
We’re Nationwide

AGRA-FINANCIAL
C O N SU LTAN TS INC.
Mr. Banker, do the rigors of trying to solve your Ag
problems have you mentally and physically ex­
hausted? Have you considered using outside help
in formulating strategic business plans for your
problem and border line loans? Many times an
outside unbiased overview can lead to fresh new
ideas and insights for a beleaguered situation and
possibly save you thousands in losses, not to
mention the resulting peace of mind. A.F.C.I. does
not promise miracles, |ust a unique perspective to
assist you in solving problems, from smaller day
to day situations to sophisticated Real Estate and
related transactions. A.F.C.I. has built a network
of experience and expertise that you can draw on
to assist you in making the many decisions that
will determine your future direction. Don’t delay,
get help and peace of mind.
Call AGRA-FINANCIAL CONSULTANTS

B A N K I N G S P E C IA L IS T S
LENDING • TRUST • OPERATIONS

$25mm Institution. Well developed workout knowledge. An
ag loan professional who has the ability to take charge
and has the Job record to prove It I
$48K.

Serving the Entire
Upper Midwest

AG LENDER •Aggressive, fast learner is seeking growth
opportunities. Two yrs exp in a rural bank handling all
phases of ag lending. Born and raised on a farm and has
spent most of life In farm mgmt.
$22K.
PARTIAL LIST O F AVAILABLE BANKERS
FOR FURTHER INFORMATION
FOR TH E S E AND O TH ER POSITIONS
RESPOND IN CO N FIDEN C E TO:
M. KURT ROSENCRANTS A T (515) 244-4414

<H N 1
<H N 1
<M >
R

«
®

ROBERTHRLF
317 6th Ave, Ste. 650
Des Moines, IA 50309
(515) 244-4414
ALL FEES COM PANY PAID

DIEBOLD TABS 910 ATM with or without building. Current­
ly on maintenance contract, low usage, excellent condi­
tion. Contact First National Bank, Minden, NE 68959.
Phone 308/832-2030.
(FS)
BURROUGHS S 3610 MULTIPOCKET TRANSMITTING
PROOF MACHINE. Less than 2 years old. Please call (712)
364-3181.

(FS)

TWO CHECKVEYER STORAGE UNITS, complete with
trays, in excellent condition. Contact Jeff Raines, Clarke
County State Bank, Osceola, Iowa. Phone 515/342-6581.
____________________________________________________ (FS)

15 GFB FILE CABINETS, legal size, 4-drawer lockable, like

BANKERS AVAILABLE

PRESIDENT • Skilled banker with 6 + yrs as CEO of a

FOR SALE

AG LENDER •Central Iowa. 3-5 yrs. exp. To $32K.

Wichita Ks. 316-266-8443
Kearney Ne. 308-237-9677.
SR LENDER • Performance oriented professional with di­
verse lending know-how. Has spent 16+ years In commu­
nity banks dealing with ag, commercial, consumer and
real estate loans.
$35K.

Write or call Malcolm Freeland or Cy Kirk In care of
Freeland Financial Service, Inc., 1010 Equitable Bldg., Des
Moines, Iowa 50309. Phone 515/282-6462. Employer pays
fee.

Diane Evans
816/842-3860

For Prompt, Courteous,
Professional Attention
T o Y o u r S t a ffin g
Needs, Call On Us.
______________________

new. $175.00 each. National Bank of Waterloo. 319
291-5429.
(FS)

BANKING OPPORTUNITIES
COMMERCIAL LOAN OFFICER— large metro MN
bank. 8-10 yrs exp. Mgmt oppty. Bus development
skills needed.
Salary to high $40's.
Contact Pamela J. Swenson.

REAL ESTATE LOAN OFFICER— $40mm southern
Wl bank. 4-5 yrs exp. Compliance exp an added
plus. Will handle all types loans.
Salary to mid $20’s. Contact Pamela J. Swenson.
AVP/AG LENDER— in $50mm central NE bank. Ex­
pansion position. 3-5 yrs bank or PCA bckgrd.
$27-32K.
Contact Barbara J. Ritta.
AG LOAN OFCR— to head Ag Dept in $60mm IA
bank. 4 yrs bank or PCA bckgrd.
Contact Barbara J. Ritta.

$32K.

PROFESSIONAL RECRUITERS, INC.
P.O. Box 24227
Omaha, NE 68124
Phone: 402/397-2885

BA N K POSITIONS
REAL ESTA TE LOAN - large suburban bank. AVP to handle
construction, commercial and some single family residen­
tial loans.
$25K
COMML LOAN - $50MM suburban bank. Some R.E. experi­
ence helpful. Requires 2-3 yrs. bank lending.
$26K
EVP •manage all lending activities for $125MM suburban
bank. Opportunity to assume #1 position.
$55K
AGRI-LOAN - $30MM community bank. Handle all Ag cred­
its and some commercial accounts.
$30K
SECOND OFFICER - small suburban bank desires com­
mercial lender to supervise junior officers.
$35K
Additional opportunities available. All inquiries confidential.

R egency
RECRUITERS, INC.
1102 Grand Avenue, Kansas City, MO 64106

TOM H A G A N & ASSO CIATES
2024 Swift - Box 12346
North Kansas City, MO 64116
816/474-6874
“ Serving the Banking Industry Since 1970”

Vol. 14 No. 7 Northwestern Banker Newsletter (USPS 873-300) is published weekly by the Northwestern Banker Company, 1535 Linden
Street, Suite 201, Des Moines, Iowa 50309, (515) 244-8163. Subscriptions $1.00 per copy, $18.00 per year. Second class postage paid at
Des Moines, Iowa. Address all mail subscriptions, changes of address (Form 3579), manuscripts, mail items to above address.

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