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Vol. 9 No. 49
Des Moines, Iowa
March 30,1981
Advanced Ag Bank School Fills Fast
HE inaugural session of the
T
National Advanced Agricultural
Banking School,
sponsored by the
Agricultural
Bankers Division
of the American
Bankers Associ
ation has been
greeted with en
thusiastic suc
cess as the enrol
ment for the July
12-17 session at
C-N- F,NS0N
Iowa State University reaches the
full mark.
“Judging from the response we
know we are on target by filling an
educational need for middle and
upper management bankers respon
sible for their bank’s agricultural
services,” said C.N. Finson, chair
man of the School’s Planning
Committee and session coordinator.
“Approximately 160 bankers have
been accepted for the first session of
the two year advanced program.”
Mr. Finson said. “We are keeping the
enrollment limited to ensure an
effective ration of faculty to
students.” Mr. Finson is also
president of the National Bank of
Monticello, 111.
The program for the week-long
resident banking school is targeted
for senior management of agricultural
banks, senior credit officers, branch
managers, experienced agricultural
loan officers, correspondent bankers
and others including bank examiners.
Graduates must successfully com
plete two one-week resident sessions
held each July at Iowa State
University, Ames. Between-session
extension problems and written
examinations are also of major
importance to the program.
This first session is divided into
three major subject areas within
managing the agricultural function
profitably. “High Performance Agri
cultural Banking and the Agricultur
al Market’’will focus on managing for
the agricultural market, using
measurement tools and information
sources, new product evaluation,
agribusiness relationships. Walter
W. Minger, senior vice president,
Bank of America, San Francisco, is
administrator for this course subject
area.
“Financial Management of the
Agricultural Program,” the second
subject area, covers topics such as
the profit center concept, financial
planning and analysis for the
agricultural profit center, sources of
funds, customer relationships and
profitability analysis, and profitabil
ity and pricing. Alan R. Tubbs,
economist and president and trust
officer, First Central State Bank,
DeWitt, Iowa, is the course
administrator.
“Agricultural Lending: Policies
and Analysis” is the third subject
area. It covers the structuring of
agricultural loan programs and credit
policies, legal considerations, risk
control and credit analysis. Leslie W.
Peterson, course administrator, is
president of Farmers State Bank,
Trimont, Minn.
Other key participants in the
program are curriculum advisor and
faculty member Peter J. Barry, who
is also professor of agricultural
finance, University of Illinois,
Urbana, and Thomas R. Smith,
president, Fidelity Brenton Bank and
Trust Co., Marshalltown, la. Mr.
Smith will be the keynote speaker at
an opening Sunday evening banquet,
presenting his views on “High
Performance Agricultural Banking.”
The second year curriculum will
focus on the profitable management
of the agricultural bank. Class
sessions will utilize BankSim, a
management simulation program.
Major subject areas will concentrate
on: The Macro-Setting; The Mana
gerial Setting; Portfolio Manage
ment for High Performance; and the
Human Factor in agricultural
banking.
The tuition for each school session
is $650 for ABA member banks and
$850 for nonmembers. The fee
includes registration, room and board
and all classroom and instructional
materials.
Those wishing to enroll in this first
session can get more information by
writing Stephen Brush, American
Bankers Association, Agricultural
Bankers Division, 1120 Connecticut
CALL ON THE “PERFORM ANCE TEAM ”
where com m on transactions
are handled uncom m only well.
FIRST NATIONAL LINCOLN
13th & M Street
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
Lincoln, Nebraska 68501 • Member, F.D.I.C.
2
Don't gam ble
when choosing
a correspondent
bonk. Com e to
the professionals.
“C ”
Central National Bank
& Trust Company
DES MOINES • MEMBER FDIC
TOLL FREE NUMBER
(800) 362-1615
Ave., N.W., Washington, D.C.
20036, or call (202) 467-4850.
Once the school session is filled,
interested bankers will be placed on a
priority registration list for the 1982
session.
□
IBA Elects Officers
W.C. Bennett, chief executive
officer of the Arthur State Bank in
Union, S.C., was elected president of
the Independent Bankers Associa
tion of America at the annual
convention in Las Vegas last week.
He succeeds Thomas F. Bolger,
president of McHenry State Bank in
McHenry, 111.
Named first vice president was
Robert L. McCormick, Jr., president
of Stillwater National Bank & Trust
Co.., Stillwater, Okla.; second vice
president is James D. Herrington,
chairpian and president, Coldwater
National Bank, Coldwater, Kans.,
W ith
our service,
give your com m unity a
lot of help for its
money.
and elected treasurer was Arch G.
Mainous, president of Citizens Union
National Bank & Trust Co.,
Lexington, Ky.
A full report with pictures on the
convention will be reported in the
May Northwestern Banker by
Publisher Malcolm Freeland.
president of Auburn Savings Bank.
He succeeds his father, H.C. Bruns,
Sr., who died in January. Irene
Janssen has been advanced to vice
president and cashier.
DES MOINES: Peter F. Faletti has
resigned, effective April 15, as senior a
vice president and chief financial
officer at Iowa-Des Moines National
Iowa News
Bank. He has accepted a position as
The Iowa Automated Clearing executive vice president and chief
house Association will conduct a financial officer at First National ^
seminar April 7 and 8 at the Starlite Bank of Denver.
Village in Ft. Dodge. The informa
Illinois News
tional dinner/meeting April 7 will
offer basic knowledge of ACH
The $40.7 million-deposit Des
operations to tellers, new accounts Plaines Bank and $26.9 million- #
personnel and others who work with deposit South Side Bank, a
the public so they are able to minority-owned institution in Chi
understand ACH procedures and cago, were closed recently by William
explain its mechanisms in laymen C. Harris, Illinois commissioner of
terms. The operations workshop the banks. The FDIC liquidated the Des #
next day will get into technical Plaines bank for a straight payout
information about ACH and registra last week.
tion for the session will be limited to
The FBI has been called into the
75 people. Some items to be covered Des Plaines Bank case. Chicago
are: how to originate, return entries restaurateur and nightclub owner #
and fill out Notification of Change Anthony G. Angelos headed the
Forms; Reg E compliance; how best institution. Founded in 1961, Des
to work with the ACH; problems with Plaines Bank had a deficit net worth
ACH entries and how to correct of $1 million as of January 5.
them; orignator status codes and
South Side Bank had been troubled 0
warranties. The evening seminar cost for more than a year with faulty
is $15, including dinner; the loans, said FDIC, selecting the $72
operations workshop fee, including million-deposit Drexel National Bank
luncheon and manuals, is $50; for of Chicago as the successful bidder on
both sessions the fee is $60. deposits and good assets of South •
Workshops in several other locations Side. South Side was founded in
will be scheduled later in the year.
1972, and had a 1980 loss of $160,000.
* * *
CHICAGO: Jackson W. Smart, Jr.,
chairman,
president and c.e.o. of %
The Iowa Bankers Association will
conduct its Chief Executive Officers Central National Bank, has an
Conference April 28-29 at the nounced that the bank and the
Marriott Hotel in downtown Des University of Chicago have entered
Moines. Subjects to be covered into an agreement for the sale of the
include competition for funds, bank’s leasehold interests in its %
interest rate futures, asset and parking lot located at 215 West
liability management, NOW ac Monroe Street for $3.5 million.
counts and bank personnel practices.
Nebraska News
Workshops will be offered on
•
bankruptcy, bank security and
advertising. Registration fee is BELLEVUE: Peter J. Bina has been
$115.00 to members, with the fee named president and a member of the
board of Southroads Bank. Mr. Bina
going to $130 after April 22.
was most recently vice president and
0
AUBURN: H.C. Bruns, Jr., is now cashier at the Bank of Bellevue.
Electronic Terminal Insurance Policy
nesMomes
A
m NATIONAL
Member FDIC An A ffilia te o f N o rth w e s t B a n c o rp o ra tio n
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Federal Reserve Bank of St. Louis
BANK
BANCO
#
1.
2.
3.
4.
5.
Coverage
Coverage
Coverage
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failure to
fo r the terminal
fo r robbery of your custom er
fo r the bank money
fo r interloper/spoofer losses
fo r lia b ility arising from
transfer funds
ftUTDmflTEO SVSTEmS
□F
o u fu n c .
301 N. Ankeny Blvd., Suite 220
Ankeny, la 50021 515-964-1358
Supplement to Northwestern Banker Newsletter 3-30-81
Carleton D. Beh Co.
Investm ent Bankers/Financial C onsultants
NEW ISSUE
SALE DATE:
March 24,1981
$40,000,000
IOWA STUDENT LOAN LIQUIDITY CORPORATION
S&P:
A
Floating Rate Student Loan Revenue Bonds
1981 SeriesA
Dated:
April 15,1981
Denomination:
multiples of $5,000
The bonds will be in fully registered form with interest payable quarterly. First interest payment date is June 1,
1981 and quarterly thereafter, 9/1, 12/1, 3/1 and 6/1.
IN THE OPINION OF COUNSEL INTEREST ON THESE BONDS IS EXEMPT FROM ALL PRESENT
FEDERAL INCOMETAX AND ALL PROPERTY TAXATION IN THESTATE OF IOWA.
MATURITY
$40,000,000
M archi, 1996*
to yield 11.50**
* Callable March 1,1988 at 102%.
** The bonds will bear interest at the rate of 11.50% from April 15,1981 to June 1,1981 and thereafter at a rate
which will fluctuate quarterly based upon 75% of the average bond equivalent rate for 13 week U.S. Treasury Bills
auctioned during the quarter ended 3 months prior to each payment date (9/1, 12/1, 3/1 and 6/1) rounded
upward to the nearest 1 /20 of 1%. In no event will the interest rate be less than 6% or greater than 131/2% per
annum.
The 1981 Series A Bonds are being issued for the purpose of providing funds to purchase existing or newly
originated insured student loans from eligible lenders under the Iowa Student Loan Liquidity Corporation
Purchase Program. The proceeds will also be used to fund the Debt Service Reserve Account, to fund the Loan
Reserve Account, to capitalize approximately 71/2 months operating expenses and to pay costs of issuance.
All student loans purchased from the proceeds of the Bonds must:
Be originated and serviced under the provisions of the United
States Higher Education Act.
Be 100% guaranteed by the Iowa College Aid Commission
and reinsured by Federal Government or 100% guaranteed
by the Federal Government.
Have a rate of interest no less than 7% and be eligible for
Federal Special Allowance and Federal Interest Subsidy.
The 1981 Series A Bonds are offered when, as, and if issued and received by the Underwriters, subject to prior
sale, withdrawal, or modification of the offer without notice and to the approval of legality by Belin, Harris,
Helmick & Heartney, Des Moines, Iowa, Bond Counsel to the Corporation. Certain legal matters will be passed
on for the Underwriters by their counsel, Hawkins, Delafield & Wood, New York, New York.
Delivery is expected on or about April 23, 1981.
A copy of the Preliminary Official Statement (prospectus) will be forwarded by calling the Carleton D. Beh Co. at
515-288-2152; Iowa calls at 800-532-1468.
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 are based.
Bonds of a particular maturity may or may not stil I be available or may now be available at a price or yield different from that indicated above.
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
Des M oine s B u ilding • Des M oines, Iowa 50309 • 515-288-2152
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
3
Call our
Bond
Department
" For up-to-the-minute,
accurate information
Tom Steffens
John Henderson
Tony Paugoulatos
Jim McLaughlin
V ic e P re sid e n t
234-2462
V ic e P re sid e n t
234-2463
A s s t.V ic e P re s id e n t
234-2647
A sst.V ice P re sid e n t B on d O ffic e r
234-2673
234-2674
Rusty Reese
{«» C ommerce Bank o f Kansas city* «m.^
Member FDIC
GERING: At Gering National Bank
& Trust Co., Mel Mathis was named
senior vice president and trust officer
and Larry Sauter is a new assistant
vice president.
OMAHA: W. Charles Radford, who
joined North Side Bank in 1968 as a
loan officer, has been promoted to
senior vice president.
SOUTH SIOUX CITY: All outstand
ing shares of Dakota County State
Bank have been sold to Roger A.
Hegarty, chairman and chief execu
tive officer of First National Bank,
St. Joseph, Mo., and its holding com
pany, First Midwest Bancorp. Inc.;
G. Benton O’Neal, senior vice presi
dent of the same bank and president
of the holding company; Ward Sauvage of Oberlin, Kan., and Dean Phil
lips of Lewston, Mo. No change in
officers or directors is planned at this
time, with John R. Murphy continu
ing as president. The purchasing
group also owns Farmers &
Merchants National Bank in West
Point, Nebr. Mr. Sauvage is in oil
development and is a propane gas
dealer serving retail outlets in several
states. Mr. Phillips owns banks in
LaBelle and LaGrange, Mo., and
owns propane retail points in several
rural communities in Missouri and
Kansas. Dakota County State Bank
opened in 1963 and has assets of
nearly $27 million.
' 'Opportun ity^i.
K nocks..."
w
B o n d R e p re se n ta tive
234-2691
(816) 234-2000
'
WILBER: Dallas Kiburz joined the
Bank of Wilber as executive vice
president recently. He was previous
ly vice president at the First National
Bank in Grand Island.
North Dakota News
BELFIELD: Fred Fleener has been
named vice president of the First
National Bank. Mr. Fleener was
previously vice president at the First
National Bank in Dickinson.
WAHPETON: Dwaine H. McRoberts has been elected vice president
and cashier of the First Bank of North
Dakota. He began his banking career
in 1959.
Wyoming News
SHERIDAN: Faires A. Barnett has
been elected chairman of the board of
First Wyoming Bank. He joined the
bank in 1974 and was one of the
original directors.
page 54 in the list of Minnesota banks
with deposits exceeding $70 million.
At 1980 year-end, First Bank had
deposits of $83,686,000, making it
the 33rd largest bank in the state, and
net loans of $62,879,000. These
figures compare to the 1979 year-end
figures of $75,860,000 deposits and
$57,703,000 loans.
ST. LOUIS PARK: Marion E.
Brummer has recently been promoted
to senior vice president, cashier and a
member of the board of the Citizens
State Bank. She joined the bank in
1966.
WINGER: Earl R. Sjoblom has been
promoted to executive vice president
at the Farmers State Bank. He
replaces Raymond Marr, who
resigned in January.
Minnesota News
ANN AND ALE: Annandale State
Bank has announced the following
promotions: Jack Schmitz and James
Peterson to vice presidents and
Robert Shoberg to assistant vice
president.
HAM LAKE: Sharlyn E. Kiel has
been appointed vice president of the
Crosstown State Bank. She joined
the bank in 1975.
MINNEAPOLIS: Thomas Welch
has been promoted to senior vice
president of the Camden Northwes
tern State Bank. He began his career
with First Bank System in 1965.
MINNEAPOLIS: Independent State
Bank of Minnesota has announced
the elections of Ruth F. Danielson as
president and Edward Hennen as
c.e.o. The bank is the first of its kind
in the U.S. organized to operate
exclusively as a correspondent bank
of independent, community banks.
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Federal Reserve Bank of St. Louis
Dave Wittenborn
ROBBINSDALE: First Bank Robbinsdale should have been included in
the March Northwestern Banker on
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
I--------------------------------------------1
I □ My majority bank stock is for sale.
• □ I want to purchase majority stock in a bank
Please contact Ellis Jones, Broker
I
I
JONES REALTY
205 South Eaton St.
Lakewood, Colorado 80226
Phone:(303) 232-1189
|
SERVING PROFESSIONALLY
Banking, Financial & Business Personnel
Iowa and Nationwide
CAPITAL PERSONNEL SERVICE
714 Central National Bldg. 515-283-2545
Des Moines, Iowa 50309
WANTADS
Rates are $5.00 per line per insertion. Add $3.00 fo rfile
letters per insertion. Identity of file letter advertisers
cannot be revealed.
NORTHWESTERN BANKER
306-15th St.
____________ Des Moines, Iowa 50309____________
POSITION AVAILABLE
Large east-central Iowa bank has excellent
opportunity immediately available in ag and mortgage
lending. Ag cash flow analysis is essential.
Outstanding benefits with salary commensurate with
qualifications and experience. Write file MBY, c /o
Northwestern Banker._______________________ (PA)
SECOND PERSON in Commercial Loan Department
of $100 million western Montana bank. Must have 4-6
years experience in commercial lending and strong
credit analysis. Mid $20.’s; good benefits. W rite file
MBX, c l o Northwestern Banker.______________ (PA)
BANK AUDITOR for internal audit organization
located in Des Moines. Four years or more auditing
experience; prefer some fam iliarity with bank credit
card function. Salary commensurate with experience.
Attractive employee benefits. Send resume to file
MBW, c l o Northwestern Banker.______________ (PA)
SECOND PERSON - Must have experience in
accounting, regulations, and operations. Some loan
experience helpful. Salary commensurate with
experience. Inquire in confidence to: R.W. “ Dick”
Anthony, Valley State Bank, Box 400, Baggs, WY
82321. Phone(307) 383-2025._________________ (PA)
BANK PRESIDENT/C.E.O. with opportunity to invest
to 25% of capital. Newly chartered bank in central
Minnesota. Send resume and financial statement to
File MBI, c /o Northwestern Banker.___________ (PA)
AG LOAN OFFICER - northeast Iowa bank with
insurance agency needs aggressive and experienced
Ag Loan Officer. Excellent community. New modern
facilities. Top Salary and fringe benefits. Send resume
in confidence to file MET, c /o Northwestern Banker.
____________________________________
(PA)
LOAN OFFICER - Immediate opening for Loan Officer
fam iliar with all types of lending including agriculture
fora$40 million bank located in Central Nebraska. 3-4
years experience. Send resume to file MBN, c /o
Northwestern Banker._______________________ (PA)
PERSONAL FINANCIAL PLANNER
We have a career opportunity available for a profes
sional individual able to provide a functional service to
clients with varied financial needs. The position
reports to the Director of Financial Planning and will
be responsible for acquiring new clients and
performing financial services including exercising
and refining current marketing plans, giving personal
financial consultations, formulating comprehensive
financial plans, and presenting & explaining financial
options and strategies to clients and working with
those clients to put the plans into operation.
Management responsibilities are likely in the future
and a great deal of emphasis w ill be placed on self
development.
The qualified candidate w ill have a bachelors degree
in Finance, Accounting, Bus. Ad. or related field.
MBA or JD highly desirable. Additional accreditation
such as CFP, CPA, CFA, CLU, or CPCU definite
plusses.
Applicants should also have 3 to 5 years experience
in one or more of the following areas: Financial
counseling or lending, Risk Management, Investment
sales, Tax preparation or Tax planning, or Estate
planning. Also required are strong oral & written
communication skills and a willingness to travel to
seminar and presentation sites as needed.
This is not a life insurance sales position. We offer
an excellent salary, commensurate with experience,
plus our comprehensive package of company
benefits.
Inquiries held in complete confidence. Call or send
resume to:
Brian Cornish
AID Insurance Company
701 5th Avenue
Des Moines, Iowa 50304
(515)280-4348
Burroughs S-3000 4-pocket proof machine. One year
old. Phone Van Horne Savings Bank, (319) 228-8321.
__________________________________________(FS)
3M brand VQC-SE copier. Three years old. Phone Iowa
Savings Bank, (319) 989-2474.________________ (FS)
NCR Model 32. In working condition. Phone
(FS)
Algonquin State Bank, (312) 658-4535.
LENDER - Nebraska bank seeks indiv with ten years of
experience in commercial and especially agriculture
lending. $25,000 +
2ND PERSON/INSTALLMENT LENDER - Need at
least 2 yrs of exp handling installment loans, student
loans, mastercharge and direct & indirect loans.
$17,000.
ALL FEES COMPANY PAID.
FOR FURTHER INFORMATION
RESPOND IN CONFIDENCETO:
Bank Division
ROBERT HALF
of iowa, ine
317 6th Ave.
Des Moines, IA 50309
(515) 244-4414
ALL FEES COMPANY PAID
POSITIONS WANTED
Commercial Loan Officers with 3 to 20 years
experience seek new op portunities............ $25,000 up
CEO of community bank wants greater challenge. W ill
consider number one or tw o p o s itio n ..............$28,000
EXCELLENT OPPORTUNITY FOR
TRUST ADMINISTRATOR
The trust department of a major Wyoming
bank in Casper, Wyoming, has an opening for
an experienced Trust Administrator. Two or
more years of Trust Administration experience
required. Excellent opportunity with potential
for individual growth and advancement in a
growth oriented Trust Department. Send
resume to Vice President-Personnel, P.O. Box
2799, Casper, W Y82602.
(PA)
POSITIONS AVAILABLE
WANT TO BUY
AUDITOR- College community in Rocky Mountain
state. Duties w ill involve internal audit function for
$25MM growing bank.........................................$16,000
Ag Banking
Specialists8] ^
When it comet to agriculture, banking and
personnel. . . go to the specialists — go to
AGRIcarears, Inc.
Progressive bankers pay us to find the people
they need.
AG LOAN O FFICER/INS. M G R ........ IA .$15-20,000
2ND MAN IN SMALL B A N K .................N E .$15-22,000
■ASST. V .P ./BR AN C H M G T.................IA .$16-22,500
INSURANCE M A N A G ER ..................... NE .$16-19,000
SALES & MKTG. REP.-FINANCE___ NY .$20-25,000
COMMERCIAL LENDING O FFICER.. IA .$15-16,000
A u to m a tic tape d ia le rs and p o lic e
panel connection are available to suit
your needs.
SECURITY SYSTEMS, INC.
3920 Delaware
Des Moines, IA 50316 [515] 265-1161
SENIOR TRUST OFFICER - Need heavily experienced
indiv to come into trust dept and eventually assume
full responsibility for trust dept. $21,000.
Top-mounted mag card feeder for Burroughs L-5000.
Phone (319) 886-2136. First National Bank, Tipton,
Iowa.___________________________________ (WTB)
Des Moines, Iowa 50312
Professionally installed closed circuit
television and 35mm auto cameras.
COMMERCIAL LENDING OFFICER - Must have at
least 3 yrs experience and ability to run a branch.
$23,000.
EXEC. VICE PRES.- $60MM suburban bank. Strong
commercial lending and marketing skills desired. W ill
become President in 2-3 yrs.............................. $45,000
R. L. “DICK” SELLON
UPDATE YOUR ALARMS
ASST. VP - Large Des Moines bank looking for heavily
experienced commercial lender who has a keen sense
of business judgment. $28,000.
If your bank needs a qualified officer, we have many
more applicants in a wide range of experience. Call:
Malcolm Freeland, Freeland Financial Service, Inc.,
306 - 15th Street, Des Moines, Iowa 50309. (515)
244-8163. Employer pays fee.____________________
I Lease Plan, Inc.
545 - 31st Street
LENDING • N.W. Iowa bank seeking ag lender with at
least 2 yrs exp. $18,000.
Installment Loan Officer with finance company wants
to join community bank in Iowa....................... $18,000
BANKERS PARTICIPATING
I
PARTIAL LIST OF
AVAILABLE POSITIONS
Ask our banking specialist, Linda, what's
available without cost or obligation.
(515) 394-3145
> NEW HAMPTON, IA 50659
I3[jnG4REERS, INC.
I
J
THE ORIGINAL AGRICULTURAL RECRUITER
COMMERCIAL LOAN- $50MM bank located in
growing area. Excellent access to major resort area;
3-5 yrs. commercial lending
and
business
development experience desired.......................$30,000
AGRI-LOAN- Opportunity fo r advancement with
$20MM Nebraska bank. Prefer Ag-related degree.
............................................................................$25,000
TRUST OFFICER- Manage $15MM dept, w ith good
growth potential. Bank is located in north central
state. Law degree not necessary........................$25,000
LENDING OFFICER- Prefer1-2 yrs. general lending or
Ag lending experience. $30MM rural bank close to
metro area............................................................$20,000
CASHIER- Primary responsibilities w ill be internal
operations and personnel. Prefer Accounting degree
and 5-7 yrs. experience.......................................$30,000
COMMERCIAL LOAN- Suburban bank—affiliate of
major midwestern holding company. Must be
market ingoriented............................................. $30,000
Inquiries handled on a confidential basis. Resume’
and salary history requested.
TOM HAGAN & ASSOCIATES
of Kansas City
P.O. Box 12346,2024 Swift
North Kansas City, MO 64116
(816) 474-6874
SERVING THE BANKING INDUSTRY SINCE 1970.
Voi. 9 No. 49 Northwestern Banker Newsletter [USPS 873-300] is published weekly by the Northwestern Banker Company, 306
Fifteenth Street, Des Moines, Iowa 50309. Subscriptions $1.00 per copy, $15.00 per year. Second class postage paid at Des Moines,
Iowa. Address all mail subscriptions, change of address [Form 3579], manuscripts, mail items to above address.
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Federal Reserve Bank of St. Louis
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