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-* ft + ~r ». 4 êM 4 4 Ml 44 tM -4 4 f •♦ -* Concern Over Farm Amendments HE prop osed package o f amendments to the Farm Credit A ct of 1971 currently being consid ered by Congress (H.R. 4782/S. 1465) has the potential for harm to the maintenance of a competitive credit environment that serves the best interests of farmers and the U.S. consumer, representatives of the American Bankers Association told Congress. In testim on y before the U .S . House Subcommittee on Conservat ion and Credit of the Committee on A gricu ltu re, the A B A offered am endm ents to proposals “ that would otherwise emerge as legislat ion that would have profound bear ing on whether the farmer of the future, like the farmer of today, will have two or more types of strong financial institutions bidding vigor ously for his credit business.” “ While we support amendments which modernize the Cooperative Farm Credit System methods and procedures enabling it to serve the needs of a changing agriculture, we oppose the new authorities this leg islation would grant that provide new directions while special treat m ent under the present law re mains,” said Marlin D. Jackson, chairman of the A B A Agricultural Bankers Division and president of the Security Bank, Paragould, Ark. T Encroachment “ The proposed legislation would give the CFCS further authority to provide financial resources outside the farm sector and would be an addition al encroachm ent on the private sector including the com m ercial banking s y s te m ,” M r. Jackson told Subcommittee mem bers. “ It would also expand the in equities already existing between the operations of private lenders and the CFCS, thereby reducing the com petition betw een CFCS and other lenders.” “ If it is the intent of Congress to maintain a credit delivery system that is inherently com petitive among its major lenders then the prop osed legislation should be am ended to perm it com m ercial banks and the Farm Credit System to operate under basically the same rules,” asserted Walter W . Minger, former chairman of the A B A Agri cultural Bankers D ivision and senior vice president of the Bank of America, San Francisco. New Powers “ The passage of this legislation without amendments would result in the CFCS being transformed into a nationwide financial entity with powers and special privileges unpar alleled in this country,” Mr. Minger said. The amendments recommended FARM AM ENDM ENTS . . . (Turn to page 3, please) Can the Federal Budget Really Be Balanced? Weill Street Journal quotes a Congressional Budget Office re port that says new direct loans by off-budget entities such as the Federal F inancing Bank grew 70% between 1976 and 1979—twice the rate of growth in federal spending—and loan guarantees increased by 108%. It says in 1981 the federal gov ernment will make new credit commitments of $162 billion, plus $97 billion in lending by government sponsored enter prises with direct access to pri vate credit markets (FNMA, SLM A and FHLMC and Farm Credit Administration), total ing $259 billion in federal credit activity. After loan repayments, this is expected to net out at new credit demand of $46.9 billion in fed eral loans and guarantees and $13.8 billion in governm ent sponsored enterprises—$60.7 billion of new credit activity, competing with the whipsawed private markets. There will be $40 billion of corporate tax lia bilities due in the next two to three m onths, and corporate cash flow is not expected to cover this amount. Correspond with the bank that can give you a lot of help for your money. IOWA . nesMoines M M NATIONAL BANK Member FDIC An Affiliate of Northwest Bancorporation https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis George Milligan 1-800-362-2514 q | | Banco 2 Citibank May Move Credit Card Offices to South Dakota Citibank (New York State), N. A ., H u n tin gton , L on g Island, m ay move its national credit card head quarters from New York State to S iou x F alls, S .D ., a ccord in g to E ugene C assidy, v ice president, consumer affairs group at Citibank. Citibank officials conferred with South D akota G overn or W illiam Janklow and state legisative leaders about the prospective move that could create as much as a 2,500 job work force in Sioux Falls. The G ov ernor then conferred with leaders of the South Dakota Bankers Associ ation to determine the effect on ban kin g in the state and any p oten tial adverse e ffe cts. The SDBA executive council concurred with limitations prescribed by state leg isla tiv e leaders and the state banking commissioner, which would prohibit any deposit gathering or retail bank operations. The legis lature then immediately passed an am endm ent to the sta te ’ s bank holding company act which enables a non-domiciled b.h.c. to operate such a function as that proposed by Citibank. The Governor signed the legislation March 12. Citibank officials, Mr. Cassidy stated, then filed an application for a national bank charter with the Comptroller o f the Currency and the Federal Reserve Board. New York’s G overn or and state legislative leaders were consulted by Citibank C a lla BANKERS’ BANKER 1-800-362-1688, toll-free in Iowa https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Single System Banking Now National Bank of Waterloo Waterloo, Iowa 50704 Member FDIC officials and although apparently sympathetic to Citibank’s stated need for revision of usury limits, appear at this time relucant to take action in an election year. M r. Cassidy said if such action has not been taken by adjournment time for the legislature, Citibank will move immediately to transfer its credit card headquarters to Sioux Falls. In any event, some Citicorp offices, with a minimum work force of 300 persons, will be located in Sioux Falls, he stated. New York allows interest charges of 18% on the first $500 of credit card loans and 12 % on the remain ing balance. South Dakota usury limits provide a ceiling of 24% on the first $500 of credit card loans and 18 % on the balance. □ Chase Ups Prime to 19% Chase Manhattan Bank of New York raised its prime lending rate to 19% on March 18. This continues the rapid progression that has seen the prime move six points in a few weeks time. Public Securities Seminar Scheduled The P ublic Securities A s s o c i ation, New York, has scheduled a seminar on “ What You Need to Know About the Analysis of Gen eral O bligation and Revenue Bonds” for April 10 at the Sheraton Atlanta Hotel in Atlanta, Ga. It is designed to offer a broad, b a sic background for interested bankers and public service employes to help them evaluate GOs and Revenues. Edward Kerman, vice president of Moody Investors, will discuss General Obligations. A rth ur Schloss w ill look at Revenue B onds. A tla n ta M ayor M aynard Jackson w ill be the luncheon speaker. For information contact Marcia Evans, 1 World Trade Center, Suite <r*~ Phone Milt Hennick at 1-800-772-2411. 5271, New Y ork 466-1900. 10048. ■*>r -4* (212) f Iowa News IOW A CITY: Hawkeye Bancorporation has received consent from the Federal Reserve Bank of Chicago to acquire the Hawkeye State Bank here. The bank has assets of $23 million. The holding company had assets of $929 million at year-end 1979 and 22 subsidiary banks. A p p lica tion is pending for the acquisition of the First National Bank, Sibley. MANSON: Dennis R. Dean has joined the Manson State Bank as an assistant cashier. He was formerly employed by the First State Bank, Ida Grove. W EST UNION: Farmers Savings Bank here has received consent from the FDIC to exercise limited trust powers. Nebraska News C R E T E : W illiam R. Fulton has been promoted from vice president to senior vice president at Citibank & Trust Company. Robert Retzlaff has joined the bank as vice presi dent. Both men handle agricultural loans. LINCOLN: The Nebraska Legisla ture on March 18 passed a bill in creasing the state’s general usury rate to 16% and Governor Thone signed the bill within two hours of its enactm ent. A n aggregate indebtedness of $25,000 is the ceil ing to which the 16% rate applies; above $25,000 there is no usury rate in effect. The instalment loan rate has been set at 19%, but this rate does not apply to credit cards. LINCOLN: Jack A . Lhotak has joined the newly-chartered Lincoln State Bank, 5501 South 56th S t., as vice president and cashier, accord ing to Ross Hecht, president. He has been vice president at Richard son County Bank & Trust Co. in % A m 'V.V' ikY' • A'_ i 4* * A A k»HA 4'V It Carleton D. Beh Co. Supplement to Northwestern Banker Newsletter 3-24-80 Investment Bankers/Financial Consultants •i * MOODY’S: Aa NEW ISSUE $7,000,000 EAU CLAIRE COUNTY, WISCONSIN General Obligation Corporate Purpose Bonds of 1980 ■ ä * He * 4 4V f- Denomination: $5,000 Dated: April 1,1980 Both principal and semiannual interest (April 1 and October 1, first coupon due April 1,1981) payable at a bank to be designated. IN THE OPINION OF COUNSEL INTEREST ON THESE BONDS IS EXEMPT FROM ALL PRESENT FEDERAL INCOME TAXES. MATURITIES 9.00% $290,000 7.75 $145,000 October 1,1982 7.75 590,000 October 1,1983 310,000 7.80 625,000 October 1,1984 7:85 670,000 October 1,1985 330,000 8.85% 7.90 715,000 October 1,1986 355,000 8.00% 7.95 565,000 October 1,1987 375,000 8.00 210,000 October 1,1988 8.00 225,000 October 1,1989 400,000 240,000 October 1,1990* 8.00 430,000 255,000 October 1,1991 * 8.00 270,000 October 1,1992* 8.10 ‘ Optional in inverse order in whole or in part by lot beginning October 1, 1989 8.20% October 1,1993* 8.25% October 1,1994* 8.30% October 1,1995* 8.35% October 1,1996* 8.40% October 1,1997* 8.50% October 1,1998* October 1,1999* 8.20 8.25 8.30 8.35 8.40 8.50 8.50 at 100%. LEGALITY TO BE APPROVED BY QUARLES & BRADY, ATTORNEYS,MILWAUKEE, WINCONSIN t li 4^ The County of Eau Claire is located in west central Wisconsin on Interstate 94 approximately 90 miles east of Minneapolis/Saint Paul and 250 miles northwest of Milwaukee. The County contains an area of 414,720 acres and has a current estimated population of 75,800. The County represents a blend of urban and rural environments. The City of Eau Claire is a metropolitan city with an estimated population of over 50,000 and as the largest city in west central Wisconsin, is a major manufacturing, retail service and government center. A large portion of the County’s agriculture is concentrated in dairying. The majority of manufacturing companies in the County are located in the City of Eau Claire. The City’s industrial base is not concentrated in a single type of industry, but is highly diversified and includes companies in agri-business, electronics, rubber, paper, machinery and metal fabricating. There are six banks located in the County with deposits as of December 31, 1978 in excess of $320,785,000. These bonds are being issued pursuant to Wisconsin Statutes, Chapter 67 for the purpose of constructing a new County Health Care Center and for improvements to the County Airport. In the opinion of counsel, these bonds are legal and binding general obligations of Eau Claire County, Wisconsin, and all taxable property located therein is subject to the levy of sufficient taxes to pay the principal of and interest on the bonds without limit as to rate or amount. FINANCIAL STATEMENT Equalized valuation, taxable property, 1979 $1,247,217,370 8,236,000 45,678,116 Net direct debt, including this issue Total direct and overlapping debt |l) M* Population, 1980 estimate: 75,800 Net direct debt per capita: $108.65 Total debt per captia: 602.61 Tax collections have approximated 96.68% of taxes levied for the past three years. We own and offer subject to change in price and prior sale and subject to our attorney’s approving opinion: 4 The information contained herein is not guaranteed, but isderived from sources we deem reliable and is that on which our purchase of these bonds was based. Offered subject to prior saleand change in price. https://fraser.stlouisfed.org Des Moines Building • Des Moines, Iowa 50309 • 515-288-2152 Federal Reserve Bank of St. Louis 607 M arquette Ave. • Minneapolis, Minnesota 55402 • 612-332-8825 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Supplement to Northwestern Banker Newsletter 3-24-80 24-Hour Telephone Banking AN ALTERNATIVE OR A COMPLEMENT TO 1 ; “Negotiable “0 ”rder of “W”ithdrawals f* Some Facts On Some Facts On NOW’S 1. » ^ NOW accounts (an extension of AFT) are a reality December 31, 1980. 2. NOW accounts probably will not work for the average customer—high minimums and service charges will eat up interest earned. 3. Will NOW accounts attract new money? Doubtful as most extra is going into high interest certificates. i* I T 4. NOW’s will only apply to personal accounts. What will you offer to your business accounts? *** 5. NOW accounts aren’t mandatory. You may decide i* not offer to them. 6. Will you have an alternative or a complement to NOW’s ready and working by December 31, 1980? L 24-Hour Telephone Banking 1. You don’t have to wait until December 31, 1980. You can have 24-hour telephone banking NOW! 2. 24-hour telephone banking allows customers to transfer funds from savings to checking or vice versa anytime. 3. 24-hour telephone banking is an alternative or complement to NOW’s and all types of accounts can use it. 4. 24-hour telephone banking allows customers to earn a higher rate of interest than a NOW account. 5. 24-hour telephone banking is inexpensive to offer, particularly compared to what a NOW program will cost. 6. DCC, Inc. has more facts on NOW accounts and 24-hour telephone banking. We want to talk to you NOW!!!!! 4-f DIVERSIFIED COMMUNICATIONS COMPANY, INC. 9468 Western Plaza Omaha, NE 68114 Please have your representative contact me concerning 24-Hour^Telephone Banking. Name »DIVERSIFIED „COMMUNICATIONS , COMPANY (402) 397-0128 9468 Western Plaza Omaha, NE 68114 Digitized FRASER ^ Salesforrepresentatives: Minnesota • Iowa https://fraser.stlouisfed.org Missouri • Colorado • Wisconsin Federal Reserve Bank of St. Louis Titlp ____________________ Bank Name ____________________ __________________________ _____ A ddress_______________________ ____________________________ _ _ City ........y________ ______________S ta te ________ __ _______ Telephone_____,______ ZIP :____________________________ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -* A 3 C ALL ON THE “PERFO RM ANCE TEA M ” mi w here com m on transactions a re handled uncom m only well. FIRST N A TIO N A L LINC O LN A 13th & M Street • Lincoln, Nebraska 68501 • Member, F.D.I.C. -*i * m V ^ H Falls City. Mr. Hecht also announced the appointment of Lois Schoch as operation s m anager. She has been assistant cashier at Penders State Bank. The new bank’s phone number will be (402) 475-9269. It is expected to open in mid to late April in temporary quarters at the new address. OG ALL A L A : Keith County Bank & Trust Co. has received consent from the FDIC to establish a de tached teller facility at 712 W. First St. here. P A P IL L IO N : A n application b y the Bank of the Midlands here for federal deposit insurance has been approved by the FDIC. The bank’s total capital accounts are $900,000. TECUMSEH: Joe V. Johnson, 87, chairman of Johnson County Bank here, died March 11 after a long ill ness. Mr. Johnson had a distin guished career in banking and was widely known in political and gov ernment circles. Survivors include his wife; sons Joe V. Johnson Jr., president, and Steve A. Johnson, vice president, both with Johnson County Bank; daughters Mrs. Don (G inny) O strand and M rs. B ill (Margaret) March, both of Omaha, and Mrs. Deem (Nancy) Mamey, Kansas City, Mo. Illinois News B A R T L E T T : The B artlett State Bank has received consent from the F D IC to exercise lim ited trust powers. MONMOUTH: Merton H. Bowden has retired as presklent, chief execu tive officer and a director of the Monmouth T/ust and Savings Bank after 40 years of service. Named president and trust officer was Mark D . Pingrey, who was most recently executive vice president and trust officer at the Iowa State Savings Bank, Clinton, Iowa. R O C K F O R D ; The A lpine State Bank has received consent from the FDIC to open an office at the comer of Spring Creek and Mulford Roads here. Minnesota News ASK JOHN MANGOLD to make MNB work for you. Toll free 1-800-332-5991 Merchants ^ National Bank 151 Member F.D.I.C. A ‘BANKS OF IOWA' BANK https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis FARIBAU LT: Richard W. Peavey, president o f F irst N orthw estern National Bank here since 1956, has been elected chairman. James A. Loehr, currently vice president in the banking business group at Northwest Bancorporation’s corp orate office, has been named presi dent and ch ief executive officer. Both changes are effective June 1. Mr. Loehr becomes the first presi dent outside the Peavey fam ily, which founded the bank in 1894. M INNEAPOLIS: Larry M. Lange has join ed M arquette N ational Bank as a correspondent credit offi cer. He was formerly credit director of International Multifood’s restau rant division. South Dakota News CANOVA: Allan L. Kostboth of Madison has been elected president of Security State Bank here. He was also elected a director of the Canova bank and named to the board of the Miner County Bank, Howard. Colorado News D E N V E R : A ndrea Garner Personett has been named vice presi dent in charge of marketing for three metropolitan banks: Chatfield Bank in L ittleton , F idelity Bank and Trust in Aurora and Mid-States Bank in Denver. Wyoming News CHEYENNE: John R. Conry Jr. has joined Wyoming Bancorporation as president and chief executive officer o f F irst W yom in g Bank, N.A.-Cheyenne. Most recently he was chief executive officer of the Huntington Lagonda National Bank in Springfield, Ohio. He was also execu tive vice president o f the Huntington bank concentrating on commercial loans. FARM AM EN DM EN TS.. . . (Continued from front page) by the banking community are: • An amendment to retain the word “ rural” to identify the geo graphical areas in which FLB ’s can make long-term real estate mort gage loans. • To apply usury law exemption equally to banks, agricultural credit corporations and agencies of the Co operative Farm Credit System. • To establish equality on loan to Wre Committed. For ag overlines, data processing, investment ser vices and all your correspondent banking needs, think o f your Security Banker. We’re committed to helping you! Jim Hongslo/ Vice President Correspondent Banking 712/277-6625 SECURITY NATIONAL BANK SIOUX CITY, IOWA 51101 MEMBER F.D.I.C. © 1979 SNB 4 Independent Management Services Specializing in Bank Acquisitions By Independent Investors No Broker Fees Cail 515-223-1044 Homer Jensen — Dick Buenneke 3737 Woodland Ave. Executive Suite 120 West Des Moines, Iow a50265 BANKERS PARTICIPATING I LeasePlan.Inc. 5 4 5 - 31st Street Des M oines. Io w a 50312 R. L. “ DICK” SELLON • P.D. “ DUANE” DEVAULT appraisal values used by Federal Land Banks and national banks. • To remove the tax exemption status of FLBs, FLBAs and FICBs. • To place Banks for Cooperat ives exp ort financing activities under the same regulatory require ments as imposed by the federal government upon the commercial banks. *, • To maintain the present 80% level o f farmer-membership require ment (70% for rural electric co operatives) for a cooperative eligible for Bank for Cooperatives financ ing. • T o exem pt all agricultural credit transactions from all Truthin-Lending disclosure requirement for all lenders. • To prohibit federal charting of service organizations by the Co operative Farm Credit System. • To restrict lending authority of FLBs and PC As to processing and marketing activities directly related to the on-farm operations of eligible borrowers. • To establish equality in FICB discounting and other services to PC A s and OFIs. “ We believe that full competition, so long as it is fair and equitable, is the best way to assure that farmers w ill continue to receive quality financial services and that consum ers will receive good products at the lowest prices,” the A B A testimony concluded. □ Aged mobile home loans wantAri W rite us for details: FOR SALE OR LEASE Modular bank buildings: 12’x56’ mobile, 12’x40’ wood with two DUW’s, and fully equipped wood permanent buildings (up to 3000 s.f.); occupy within 45 days. Over 250 installations. SON CORPORATION, Box 684, W ichita, KS67201. O rcall collect (316)942-8167. W ANTTOBUY Investor wants to purchase $20 million (approx.) de posit bank in live community. Long term investment. Need good management. No brokers. Write file FBX, c /o Northwestern Banker.________________ (WTB) AG LENDER— Handle ag lending for m ulti-unit bank system. $23,000 TRUST O FFICER— W ill set up new department for ex panding bank. JD a must. $26,000 TRUST— South Dakota bank wants solid person that can handle a trust department completely. $21,000 8 .V .P .— Great opportunity in small bank. Work in commercial. Some ag experience a plus. Equity po tential. $28,000 #1— Must be able to handle $ 2 0 + million bank. W ill have total responsibility. $30,000 AG OFFICER— W est Iowa bank has good opportunity. Livestock experience needed. $20,000 Operations Officer in major Iowa community bank seeks new opportunity. Excellent track record. Con tact Malcolm Freeland, c /o Northwestern Banker, in Des Moines. (515)244-8163, (PW) Individual interested in ag loan and management position. Has BS and MS degrees in agricultural edu cation. Has three years vo-ag teaching experience and a strong farming background. Write file JBZ, c /o Northwestern Banker._________ (PW) BANKING POSITION W ANTED— Experience as loan officer for finance company and insurance sales. Business and economics degree. W ill relocate. Write file JBV, c /o Northwestern Banker._____________(PW) SERVING PROFESSIONALLY Banking, Financial & Business Personnel iowa and Nationwide CAPITAL PERSONNEL SERVICE 714 Central National Bldg. 515-283-2545 Des Moines, Iowa 50309 FORSALE One 11’x26’ double drive-in unit with walk-in lobby. Used only 18 months. Contact R.J. Maze, Vice Presi dent & Cashier, First National Bank of Monroe, P.O. Box 30, Monroe, Wl 53566. Phone (608)328-5100. (FS) Banks For Sale— Southern and southwest Minnesota; $4 m illion in footings each. Good management; insur ance agencies; good communities, and good earnings. W rite file JBW, c /o Northwestern Banker. (FS) Savings & Loan For Sale— Northern Kansas. State c h a rte r. H om e o ffic e , one branch, th re e service offices and real estate development; $36 m illion in footings. W rite file JBX, c /o Northwestern Bank e r ______________________________ ____________(FS) AG BANKING CAREERS AG LENDING OFFICER. . . SEM inn. W ANT ADS COM M ERCIAL— Large Iowa bank wants a commercial loan officer. $35,000 FOR FURTHER INFORMATION RESPOND IN CONFIDENCE TO: Crown Financial Corporation P.O. Box 25362 Milwaukee, Wl 53225 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 PARTIAL LIST OF AVAILABLE POSITIONS . . $16-$20,Q00 AG LENDING OFFICER. . .N W IH .............$18-$22,0Q0 AG LENDING OFFICER (2). . .N lo w a . . $15-$20,000 A G C RED ITREP. . .M e m p h is .................. $18-$22,000 AG CREDIT SUPERVISOR. . .Denver . . $16-$21,000 BANKING & INSURANCE. . .I o w a .........$14-$18,000 Since 1968, banks and other ag related employers have been paying us to find the personnel they need. For m ore in fo rm a tio n , give L in d a — our banking specialist— a call today. BCjriCAREERS, IN C m J AGRICULTURAL PERSONNEL RECRUITERS (515)394-3145 New Hampton, IA 50659 Loan Officer— Central North Dakota bank has opening for a loan officer with agricultural degree or ag background. W rite file JBV, c /o Northwestern Banker.(PA) Agricultural Officers with lending experience needed by Iowa, Illinois and Nebraska banks. Contact Mal colm Freeland, c /o Northwestern Banker, in Des Moines. (515)244-8163._______________________ (PA) CEO position open in $10 million Iowa bank. Easy driving to Des Moines, ISU and Clear Lake. Contact Malcolm Freeland, c /o Northwestern Banker, in Des Moines. (515)244-8163._______________________ (PA) BANK POSITIONS INSURANCE AGENT—Opportunity to run new agency in Rocky Mountain area. Must be fu lly lic e n s e d ................................... Open BANK CARD— Supervise collection effort for major Colorado bank. Administration and knowledge of federal regulations essential...................................................... $25,000 CEO— Overall management ability with em ph asis on len d in g s k ills req uired. $75MM suburban bank..............................$60,000 PRESIDENT— $25MM retail oriented bank in southern Kansas desires strong admin istrator who has both operations and lending background................................ $40,BOO INSTALMENT LOAN— One to two years lend ing and c o lle c tio n exp e rien ce w ill qualify. Growing Rocky Mountain area bank.............................................................. $16,000 RETAIL BANKER— MajorCotorado bank offers excellent opportunity for three to four years experience in retail banking . . . $18,000 AG LOAN— Addition to staff of expanding bank in central Missouri area. Could be #2 position...................................................$20,000 REAL ESTATE— Junior officer with one. to two years in real estate lending desired for suburban bank in major midwestern metro area....................................................$15,000 Forward resume and salary history in confidence to: TOM HAGAN & ASSOCIATES P.O. Box 12346 / 2024 Swift North Kansas City, Mo. 64116 __________________ (816)474-6874 ' 8 No.. 48 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, mail items to above address https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis
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