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Vol. 7 No. 4 May 22,1978 Des Moines, Iowa Authorize Two New Types of Time CD’S Commercial banks, mutual sav ings banks, and savings and loan associations will be able to offer their customers two new types of time certificates at interest rates higher than those presently permit ted under action announced jointly today by the Federal Home Loan Bank Board, the Federal Deposit Insurance Corporation, and the Federal Reserve Board. The action, which is effective June 1, will provide more flexibility for financial institutions to compete for funds to assure an adequate flow of credit into housing and to meet other borrowing needs. The two new instruments are (1) a short-term money market certifi cate with a ceiling interest rate that changes weekly for new deposits with changes in the average yield on new issues of 6-month Treasury bills, and (2) an 8-year certificate with a fixed maximum rate of interest. “ New Tools” Interest rates available on Treasury securities in the open market now exceed the maximum rates that banks and savings and loan associations are permitted to pay on comparable deposit maturi ties. The two new certificates will provide these institutions with the tools to make them more competi tive with interest rates in the open market. The action by the Federal Home Loan Bank Board applies to members of the Federal Home Loan Bank system, principally federally insured savings and loan associa tions; the FD IC’s to federally insured mutual savings banks and commercial banks that are not members of the Federal Reserve System; and the Federal Reserve’ s to commercial banks that are members of the Federal Reserve System, including all national banks. No change was made in the savings passbook rates or in the maximum permissible rates that may be paid by banks or savings and loan associations on time deposits ranging from 30 days to less than 8 years. Main Features The main features of the two new instruments are: 1. Money Market Certificate— this will have many of the characteristics of a 6-month Treas ury bill. It must be issued in minimum denominations of $10,000 with a 6-month (26 week) maturity. The maximum permissible rate of interest that may be paid will be tied to the average (auction) yield for the 6-month Treasury bill in the most recent weekly auction. The ceiling rate on the money market certificates—which are nonnegotiable—will be adjusted each week effective on the day the new 6-month bills are issued. Commer cial banks may pay a rate not to exceed this auction average (auc tion average on a discount basis), and savings and loan associations and mutual savings banks may pay one-quarter of one percent more. If a holiday falls on Monday, the auction is held the previous Friday. The average yield on Treasury bills is announced by the Treasury Department late in the day of the auction. 2. Long-term certificate—this may be issued in minimum denominations of $1,000 at maturi ties of 8 years or more at a m axim um rate o f 7- 3A % for commercial banks and 8 % for savings and loan associations and mutual savings banks. The introduction of an 8-year fixed-ceiling certificate will not only add to the ability of financial institutions to com pete more effectively for funds but it will also have the advantage of lengthening the deposit structure of institu tions, thus contributing to greater stability in the cost and availability of funds. Both the money market certifi cate and the new long-term certificate are subject to existing penalties for early withdrawal, namely a loss of 90 days interest and the payment of any remaining interest at the passbook rate. All TIME CD’s . . . Please turn to page 7 For availability of funds, knowledgeable people and professional services, call our correspondent bank department. T O L L FREE 1-800-363-1651 “ C https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ” Central National Bank & Trust Company LOCUST AT 6TH/DES MOINES, IA 50309 MEMBER FDIC < AFFILIATED WITH CENTRAL NATIONAL BANCSHARES, INC. give your com m unity a lot o f help for its m oney. A good correspondent bank relationship is still built by good people. Yours and ours. Call me toll free . .. 800 - 332-5991 Merchants A National Bank 151 Dale Froehlich Asst. Vice President Cedar Rapids. Iowa 52401 A BANKS OF IOWA' BANK D orothea Wolfe tant trust officer of Centerville National Bank, has been promoted to cashier. nesMpmes NATIONAL BANK Member FDIC An Affiliate of Northwest Bancorporation Banco Iowa News BOONE: The Citizens National Bank has announced the appoint ment of Donald Dean Schnell as assistant vice president in the instalment loan department. He has been instalment loan officer for the Clay County National Bank, Spencer, and also has been with the State Bank of Fort Dodge and Associates Finance Company in Creston. Mr. Schnell replaces Bob Hanes who has been named vice president of the First State Bank at Chariton. CENTERVILLE: Cathy Couchman, accounting officer and assis Call your roving correspondent at Bankers Trust CEDAR RAPIDS: Thomas J. Watson has been promoted to assistant vice president of Mer chants National Bank. CLINTON: First National Bank of Clinton, Grand Mound and Cala mus has announced the promotions of Betty Green to vice president and Keith Sexton to assistant cashier. Mr. Sexton will be loan supervisor and Ms. Green will be operations officer for the Grand Mound and Calamus offices. DENISON: The Viking Corpora tion has received permission to becom e a one bank holding company through acquisition of the Crawford County Trust and Sav ings Bank. Incorporators are Bruce Lauritzen and Joe Latoza of Omaha. Directors include five of the bank’s current officers and directors. RED OAK: Houghton State Bank has announced the follow in g promotions: Don McCrory, vice president and cashier; Rob Ritson and Ralph DiCesare, vice presi dents; David Hammer, assistant cashier, and Jim Skahill, public relations, marketing and personnel officer. Nebraska News COLUMBUS: First National Bank and Trust Company has announced the appointment of three officers: Donald Schupbach, senior vice president of commercial lending; Paulette Mrzlak, personnel officer, and Wayne Grachek, trust officer. CURTIS: Jim Wilkinson has joined the Curtis State Bank. He formerly was with the National Bank of Commerce in Lincoln. LOOMIS: John Boehler is the new vice president of First State Bank. He formerly was with the Farmers DeWITT: Franklin A . Hunter has been named assistant vice president and assistant trust officer at First Central State Bank. He formerly was with the First National Bank of Clinton, Grand Mound and Cala mus. KEOKUK: Robert A. Leisy has been named vice president of agricultural services at the Keokuk Savings Bank & Trust Co. He formerly was president and chief executive officer of the Citizens State Bank, Donnellson. H om er is ready to help you ... ... with CCB’s full-service correspondent banking. Let Homer Jensen prove that we do your kind of banking. Use our to ll-fre e WATS line: 800-362-1688 F.D.I.C./Federal Reserve System Digitized forMember: FRASER https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis CAPITAL CITY BOOK Des Moines’ second largest independent bank. Main Bank East Fifth and Locust 50309 515/244-5111 C a r l e t o x — D . B e h C o . S NVESTM ENT S E C U R IT IE S TELEPHO NE 2 8 8 - 2152 A R E A C O D E 515 D E S M O IN E S B U IL D IN G D e s M o in e s , I o w a NEW ISSUE MOODY’S: S & P: “A-1” “AA” $17,290,000 ARAPAHOE COUNTY SCHOOL DISTRICT NO. 6, COLORADO (Littleton, Colorado) General Obligation Building Bonds, Series 1978 Dated: May 15,1978 Denomination: $5,000 Both principal and semiannual interest (May 15 and November 15, first coupon due May 15, 1979) payable at the Colorado National Bank, Denver, Colorado. IN THE OPINION OF COUNSEL INTEREST ON THESE BONDS IS EXEMPT FROM ALL PRESENT FEDERAL AND COLORADO INCOME TAXES. 1 f r '- i Bt> | > MATURITIES 6.625% 5.10% $ 40,000 November 15,1982 4.50 $2,575,000 November 15, 1989* 5.10 175,000 November 15,1983 4.60 5.20% 850,000 November 15,1984 4.70 2,675,000 November 15, 1990** 5.20 5.00% 5.25% 1,175,000 November 15,1985 4.80 2,800,000 November 15, 1991** 5.25 2,250,000 November 15,1986 4.90 2,300,000 November 15,1987 4.95* 2,450,000 November 15,1988 5.00* ‘ Optional In inverse order beginning November 15, 1986 at 100.5%. “ Optional in inverse order beginning November 15, 1986 at 100%. LEGALITY TO BE APPROVED BY WILLSON & LAMM, ATTORNEYS, DENVER, COLORADO. Arapahoe County is located in central Colorado Immediately south and east of Denver. The District Includes the City of Littleton, a portion of Greenwood Village and adjacent unincorporated areas. The District is residential, commercial and industrial in nature and is closely allied to the economy of Denver. Southglenn Mall, a $40 million project located on approximately 74 acres was constructed in 1974. Chatfield Dam and Reservoir, a $84,000,000 Federal Flood Control project along the Platte River approximately four miles southwest of the City of Littleton was recently completed. Major employers located in the County include: Eastman Kodak, Honeywell, Hewlett-Packard, Texaco, Control Data, Diner’s Club and the United Airlines National Reservations Center. Johns-Manville Corp. has its international headquarters in the County. Transportation is furnished by several major thoroughfares which extend into the area running north and south of Denver. The proceeds of this issue will be used to construct new school buildings and make other improvements to the existing facilities. In the opinion of counsel, these bonds are legal and binding general obligations of Arapahoe County School District No. 6, Colorado, 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 lim it as to rate or amount. FINANCIAL STATEMENT Market value of taxable property, 1977 Assessed value of taxable property, 1977 $1,108,534,000 243,877,420 Direct debt, including this issue Total direct and overlapping debt Population, 1978 estimate: 68,000 28.075.000 37.810.000 Direct debt per capita: Total debt per capita: Tax collections have approximated 99.8% of taxes levied for the past four years. $412.87 556.03 We own and offer subject to prior sale and change in price and subject to our attorney’s approving opinion. The information contained in this circular 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. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis sm all is Beautiful. 8.2 OZ. 3 M o n th Trial O ffe r o n ly $ 9 .0 0 /m o n th Can be applied to sale price of $220.00 • 40 Hours Battery Life e Telephone Record • Conference Record • Unique New Background Filter 8.2 oz. 5%" x 27/us' i n • Smallest yet —truly pocket size Model NT-1 Need a dictating unit that can go w ith you anywhere? Get N orelco UltraSlim™ executive n ote ta ker— the unit th a t’s preferred by more executives than any other. How come? It’s the lightest N orelco portable: just a bit more than 8 ounces. And the slimm est: just 5K x 2%6 x % inches. And it’s beautifully eng i neered to take everyday wear and tear. But th ere ’s more to UltraSlim. It’s loaded w ith features usually found in deluxe desktop models. Like extra-fast rewind and end-oftape warning signals. And a built-in sound screen control that lets you record clearly even in noisy situa tions. W hat’s more, the Norelco UltraSlim, w ith its “ idea capsule,®” is to ta lly com patible w ith the com plete Norelco dictation system. We doubt yo u ’ll find a better designed unit than UltraSlim. It’s beautiful. But don’t take our word fo r it. Call today for a / » ^ a free dem onstration. / V 0 f € f C 0 Also Available! Transcriber M odel 97 • Your secretary will love the clear sound • Great Features At Low Cost Yes I would like to try the New Norelco Executive Notetaker. Name Firm “We Specialize in Dictation Systems” o f f i c e s e r v i c e s . Inc. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis DES MOINES 2915 IngersolI Phone 515/279-3669 OMAHA 2900 Douglas Phone 402/341-8100 BETTENDORF 1969 Spruce Hills Phone 319/355-4771 WATERLOO 100 East Fourth St. Phone 319/234-5544 ___________ ______ _______________ _________ _______________——-----,----------------- Address______ ,________________________________ City ^ ______________ S tate___________ !__Zip_____ Officer Signature _______ ,__,____.________ □ Please bill me complete for the Notetaker. □ I would prefer the 3 month trial offer. Please have your sales representative deliver my NT-1 for a THREE MONTH TRIAL. Supplement to the Northwestern Banker Newsletter 5-22-78 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis C A L L O N T H E “P E R F O R M A N C E T E A M ” where comm on transactions are handled uncomm only well. FIRST N A TIO N A L LI N CO LN 13th & M Street • Lincoln, Nebraska 68501 • Member, F.D.I.C. and Merchants Bloomfield. State Bank of OM AHA: The Mid Plains Group of the National Association of Bank Women will meet May 23 at Marchios, 4443 South 13th Street at 6 p.m. Nicki Zimmerman, chief social worker of Creighton Univer sity, will speak on “ The Impact of Change on Women’s Lives.’’ The Group is holding a one-day seminar May 25 at the Holiday Inn Central, 72nd and Grover Street from 8:30 a.m .-4:30 p.m. Two modules of The Management Series Program developed by NABW Education Foundation are being offered. The Time Management module will help women identify and correct time management problems, the Nonverbal Commun ication module will show how to interpret behavior and body lan guage in order to tune in to the unspoken thought as well as the spoken word. Make reservations with Betty Wagner. The Omaha National Bank. PENDER: Gary R. Condon has been promoted to executive vice president and Kevin Kirby to assistant vice president of Pender State Bank. PLATTSMOUTH: Tom Hastings has joined the Plattsmouth State Bank’s agricultural loan depart ment. He formerly was an assistant vice president with the First National Bank in Olathe, Kan. draw about 1,500 bankers from around the state June 4-6 at the Peoria Hilton Hotel. Featured speakers include George LeMaistre, chairman of the FDIC; Gerald M. Lowrie, A B A executive director, and Frank Reynolds, ABC News senior correspondent. Registration will open at noon on Sunday, June 4, as well as the exhibit area where over 40 suppliers will display their products and services. BERWYN: Commercial National Bank has received consent to establish a facility in the vicinity of 59th Court and 35th Street, Cicero. CHILLICOTHE: Truitt-Matthews First National Bank has changed its name to First National Bank of Chillicothe. Q U IN C Y : Broadw ay N ational Bank has changed its name to First National Bank & Trust Company of Quincy. W AUKEGAN: A permit to orga nize has been issued to the United Bank of Waukegan, 27 North Green Bay Road. The state bank’s total capitalization of $1,750,000 will consist of $700,000 in both capital and surplus and $350,000 in reserve. The 70,000 shares of stock will have a par value of $10 each. Organizers are: James M. Hurwith, Glenview; Orville Berkson, W il mette; Lester Pasik, Waukegan; Leonard Fingold, Deerfield; Harriet M. Rosene, Northfield, and Frank A. Koepke, Riverwoods. Illinois News “ Close Encounters of the 87th Kind,” the Illinois Bankers Associ ation 87th annual convention, will Minnesota News BEM IDJI: The First National Bank has received consent to „ , „ Call our Bond Department For up-to-the-minute, accurate information C o m m erce Bank o f Kansas City'T^ZiZl https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Member FDIC establish a facility at the intersec tion of Route 2 and Ash Avenue. Colorado News Members of the Colorado Bank ers Association will meet June 1-3 at The Broadmoor in Colorado Springs for their 77th annual convention. Leo Hill, president of CBA and president and chairman of the First National Bank of Boulder, will preside. A complete convention report with pictures will appear in an upcoming issue of the Northwestern Banker. DENVER: William C. Neill has been appointed manager of the financial services division at the First National Bank of Denver. Wyoming News CHEYENNE: John C. MacLeod has been elected executive vice president and chief operations officer at the American National Bank. He most recently was president of Guaranty Bank and Trust in Denver, Colo. TIME CD’s . . . Cont. from page 1 issuing institutions, however, are permitted to lend on the collateral of their time deposits, so long as the loan carries an interest rate at least one percent higher than the rate being paid on the deposit pledged. IR A /K eogh Rates As a result of the joint action, the maximum permissible rate that may be paid by all depository institutions on new deposits of governmental units and Individual Retirem ent (IR A ) and K eogh (■ H I m r K ■5» 4 WL fig m S - ' ■IE í ÉÉE m S S . v K b I J / Iy?*, ||| | Jtoi s John Reese John H enderson Jim M cLaughlin Bond Representative 234-2674 Asst. Vice President 234-2463 Bond Officer 234-2673 8 Does Your Advertising Have The Blahs? Are you tired of having your newspaper salesperson walk into your bank on Monday morning asking — “Well, what’ll we run this week?” If you’d like an advertising agency but feel you can’t afford one. If you’d like a customized campaign that covers all media and gives continuity to your advertisng program .....the THANK YOU BANK campaign does all this and more. It has a proven track record — w ill fit your budget—and is sold to only one bank in a market. To find out more, write or call and we’ll set up a presentation in your bank. No obligation, of course. Advertising Associates, Box 934, Maquoketa, la. 319/652-5212. Accounts will move to 8% . This ceiling rate is fixed at the highest rate a federally insured bank or savings and loan may pay on time deposits of maturities of more than 6 months (26 weeks). Rates on existing governmental, IR A and Keogh Accounts may not be increased until they mature. WANT ADS Rates 40 cents per word per insertion. Add $2 for box numbers. Identity of box number advertisers cannot be revealed. NORTHWESTERN BANKER 306 15th St., Des Moines, Iowa 50309 POSITION WANTED May, 1978, graduate University of Iowa College of Business desires entry level bank management position. Has real estate brokers’ license and insurance agency experience. Interested in commu nity affairs. Call or write R. O. Woodard, 333 S. Vine St., West Union, la. 52175. (319)-422-3831 or (319)-422-3611. AG LOAN OFFICER Opening for Ag Loan Officer in rural Nebraska chain bank. Degree in agriculture or business administra tion desired, with at least two years ag lending experience. Insurance licenses helpful. Send resume to file ACW, c /o Northwestern Banker. FOR SALE MY LOVELY LITTLE HAND-PAINTED AMERICAN flag stick pin . . .so sharp on lapel and blouse . . .only $24.00 a gross. Give these away July 4th week to say “ God Bless America.” Regular price is $36.00 a gross wholesale! How many w ill you need? Please advise us early! We bill later, of course. BOB TUCKER ASSOCIATES, BOX 1222, PT. ARTHUR, TX. 77640. “ Since 1958"____________________________ AGRICULTURAL LOAN OFFICER SITUATION WANTED Registered pharmacist is seeking an opportunity to either start or buy a pharmacy. W ill appreciate hearing from community banker or referral to proper source. Write File OBW, c /o Northwestern Banker. POSITION WANTED Bank officer with 15 years instalment loan, 8 years real estate including subdivision development, secondary m arket and ap p ra is in g , 3 years commercial lending plus other experience with Iowa insurance license wants to relocate in the Midwest area. Resume on request. Write Box ACZ, c /o Northwestern Banker. BANKERS PERSONNEL SEARCH, INC. 321 Stephens Building Des Moines, Iowa 50309 515/282-4446 or 515/961-5419 Harriette Allison, President Employer Paid Fee Confidential Bank Personnel Only We are retained by an eastern Iowa bank to assist in the selection of an Agricultural loan officer. The person selected w ill have two or more years agricultural lending experience and want to live in a rural environment. For further information, contact J. T. K in g s to n . No fee s— we are retained by management. Personnel Incorporated, 2626 Ruan Center, Des Moines, la. 515/243-7687. SERVING PROFESSIONALLY Banking, Financial & Business Personnel Iowa and Nationwide CAPITAL PERSONNEL SERVICE 814 Central National Bldg. 515-283-2545 Des Moines, Iowa 50309 PARTIAL LIST OF POSITIONS AVAILABLE CREDIT MANAGER - Large MW bank. Should have commercial loan exp. in credit analysis or mgmt. Strong upward m obility. Salary to $21,000. AG-LENDING - Rural IA location. Looking for exp. in commercial & installment with an emphasis in ag. Salary to $16,000. EXECUTIVE VP - Need 15 yrs. exp. with 10 yrs. in commercial lending. Aggressive, growing bank system. Must have exp. in small to medium sized bank. Salary to $28,000. COMMERCIAL LOAN OFFICER - Degree required, MBA a plus. 5 yrs. exp., 3 in commercial lending. W ill make large loans in the ag. area. Salary to $32,000. TRUST OFFICER - Small growing dept. Must have general experience in trust dept. Exposure in pension & profit sharing a + . Start to $20,000. ALL FEES COMPANY PAID Respond in confidence to Bank Division ROBERT HALF OF IOWA, INC., 317 6th Ave., Des Moines, IA 50309 (515) 244-4414. IH H 1 <H M > <H 1 R M ® Bank Division ROBERT HALF of Iowa, Inc. 317 6th Ave. Des Moines, IA 50309 (515) 244-4414 POSITION WANTED Bank officer with extensive experience desires C.E.O. job or position leading to C.E.O. shortly. Excellent background and references. Write File SHW, c /o Northwestern Banker. FOR SALE Two NCR Postronics, one NCR Pocket Proof Machine, one NCR Ten-Key adding machine and one NCR Full Key Board adding machine. First National Bank of Elm Creek, Elm Creek, Nebraska (309) 856-4661._____________________________________ POSITION AVAILABLE Agricultural representative with insurance license for $16 m illion bank in progressive, northwest Iowa community. Write Box ACS, c /o NORTHWESTERN BANKER, 306 - 15th St., Des Moines, la. 50309. SALE OR LEASE :4’x60’ mobile bank building in Iowa, 14’x68’ mobile bank building in Arkansas, 14’x50’ wood modular bank building in Colorado, 14’x60’ wood modular bank building in Missouri. All bank equipment included, and available now, from the leading distributor of preconstructed Financial buildings, SON CORPORATION, Box 684, Wichita, KS, 67201, (316) 942-8167, 68, or 69. THEATRE OF THE MIND POSITIONS AVAILABLE FOR SALE Bankers across America w ill verify that our radio and television spot production is the talk of their towns. We do it ail - from small-town banks to the biggies direct or with your ad agency. Write for information if you are tired of tired commercials or music. D.A.D., 1008 East Thompson Lane, Nashville, Tenn. 37211. (Member BMA) 1977 model L 9500 Burroughs computer, Serial #L95233-001. Contact W illiam B. Dohrmann, State Bank of Fayette, Fayette, IA 52142 or call 319-425-3395 for further information. Brand new, never been used. Cashier wanted in $33 m illion bank in Southwestern Iowa. Contact Iowa State Savings Bank, Creston, Iowa 50801. LOAN OFFICER—Should have solid credit background with emphasis on Ag. W estern R ocky M o unta in area; #2 p o s itio n ........................................................$23,000 BUSINESS DEVELOPMENT— Missouri metro-area. Background in instalment credit and ability to generate new business. Junior officer p o s itio n ................................ $16,000 TRUST OFFICER—$40MM dept, in Iowa bank. Personal trust and investment ex perience desired. Law Degree not neces sary............................................................... $19,000 AG-LOAN— Midwestern bank of $30MM. Service Ag, real estate, and instalment customers from full service branch. Insur ance licenses h e lp fu l......................... $20,000 CONTROLLER— Bank of $30MM located close to metro-area. Responsibility for all regulatory reports, tax returns, and accruals. Senior management position. Degree required .......................................... $18,000 JUNIOR OFFICERS— Many fine opportuni ties for those with 2-3 yrs. bank experience in operations or lending. POSITION AVAILABLE POSITION WANTED WANTED TO BUY SR. MGMT. - An enterprising, resourceful banker with 30 years experience in rural and suburban areas seeks management position with $10-$50MM bank. Experience includes operations; customer and employee coordination; agricultural, instalment, real estate, and commercial lending; and securities transactions. Write Box ACX, c /o Northwestern Banker. Addressograph and Graphotype equipment. Please list model and serial number of machine. Write P.O. Box 607, Boone, la. 50036. BANKERS PARTICIPATING XeaJepian, iv< 545-31 st Street • Des Moines, Iowa 50312 R. L. “DICK” SELLON • P.D. “DUANE” DEVAULT • ESTATE APPRAISALS • INSURANCE APPRAISALS • BUYERS OF ESTATE JEWELRY AND COIN COLLECTIONS TOP PRICES PAID 40 YEARS IN OMAHA SIMON’S JEWELRY CO. 328 SO. 72nd ST. OMAHA, NEBR. 68114 PHONE 402-393-2320 Many additional positions are available. If you desire a change, please send resume and salary history. Your inquiry w ill be handled in a confidential manner. TOM HAGAN & ASSOCIATES Linda Blue Smith, President Box 12346, 208 E. 18th Ave. NKC, MO 64116 816/474-6874 Vol. 7 No. 4 Northwestern Banker Newsletter is published weekly by the Northwestern Banker Company, 306 Fifteenth Street, Des Moines, Iowa 50309. Subscriptions 25 cents per copy, $8 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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