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Vol. 11 No. 28

Des Moines, Iowa

November 1,1982

Unified Banking Can Help Restore Nation’s Confidence
N HIS final address to members
of the American Bankers Associa­
tion at the 108th annual convention
in Atlanta October 19, Lew Jenkins,
re tirin g A B A
president, stat­
ed: “ There is
nothing intrinsi­
cally wrong with
th e e c o n o m y .
It’s a huge, surg­
ing thing. In
lo o k in g dow n
the road, I see
consumers com­
L. JENKINS
ing back strong
into the marketplace. I see increased
spending, which will improve the
cash flow in the economy. And, I see
interest rates coming down—this is
already happening. All these condi­
tions will lead to greater incentives
for production—incentives for the
guys who own the factories to pro­
duce more and to hire more people.”
Mr. Jenkins repeated that he feels
this will be a consumer-led recovery
period. He pointed to worldwide de­
mand and listed some prerequisites
“ to make it possible for us to com­
pete in world markets.” He listed
these as: 1. Build the confidence
level in institutional stability—
especially the Fed. 2. Build con­
fidence “ that the Social Security
system will remain viable, that it
will be made sound.” 3. Creation and
continuation o f an atmosphere

I

•
•

where business can do business, dated the need for ceding certain
—getting excessive regulation off points in order to gain others. He ad­
the back of business. 4. A banking ded, “ think how much more we
system that is not only sound, but could have accomplished if we had
also flexible.
acted with the singleness of purpose
Mr. Jenkins said “ The banking that the securities industry and the
system is somewhat like a transmis­ insurance industry displayed.”
sion system—keeping it functioning
Mr. Jenkins then directed atten­
smoothly is essential to directing tion to 1983 and beyond, stating
the movement of the economy. It that Congressional leaders have pro­
doesn’t matter how big or powerful mised they will take up the matters
the engine; without a transmission advocated by banking leaders, and
that transforms that power into for­ that “ Chairman Gam has established
ward motion, you just don’t get clearly and publicly that early next
anywhere.
year his top priority will be con­
Mr. Jenkins said in order to keep sideration of these matters.”
Recalling Newton’s law that
the transmission system moving
smoothly, “ we need freedom that Force = Mass X Acceleration, Mr.
will help us compete with the unreg­ Jenkins said Mass is represented by
ulated outsiders...If we don’t get the more than 14,000 banks in the
these regulatory freedoms, if the nation, and the number of officers
banking industry d oesn ’ t pull and staff in all these banks can
together, these unregulated out­ create enough Force to get things
siders are going to come along and done. “ But we need to get this in­
pull off the best parts of our dustry mobilized,” he stressed, “ to
business. They’ll be doing this not provide the other element in the
only at our expense, but at the ex­ equation—Acceleration. ”
“ To increase Acceleration and,
pense of our would-be depositors
therefore, increase F o r c e he con­
and customers.”
He referred, then, to the steps tinued, “ we need to work on two
taken to date to obtain greater areas: Education and communica­
freedom for banking and, in partic­ tion. A B A is the source for banker
ular, the recently enacted Garn/St. education...Use the industry ads
Germain bill. He acknowledged A B A makes available to all member
there were parts of the bill no banker banks (to aid communication). Send
liked or wanted, but said the necessi­ people from your banks out to talk
ty for compromise with determined to people in the community, to talk
legislators who had the vote man­ to young people in high schools

CALL ON THE “PERFORMANCE TEAM ”
where com m on transactions
are handled uncom m only well.

■

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n

i l

FIRST NATIONAL LINCOLN

•

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

13th & M Street • Lincoln, Nebraska 68501

• Member,

F.D.I.C.

Bemie Kersey

Team w ork:
O ne of the
reasons we’re
first in Iowa.

IOWA
nesMoines
A m
NATIONAL BANK

Mem ber FDIC

about business and about banking...
Everything you need for both these
areas, education and communica­
tion, is available through the A BA .
I ’ve referred to banking as the
transmission system in our econ­
omy. But, when it comes to getting
action on Capitol Hill, the A B A , if
you will, also acts as a kind of
transmission system. Your associ­
ation is the mechanism for trans­
lating the political power of the en­
tire banking industry into concrete
and effective action.
“ This effective action won’t come
about if we splinter our impact—and
the Force of our industry. We need
to speak with one voice, and one
message.”
Mr. Jenkins concluded by stating,
“ We need to apply ourselves dil-

A SK
JE R R Y TR U D O

to make MNB
work for you.
Toll free
1- 800- 332-5991

Merchants
National Bank 151
Member F.D.I.C.


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Federal Reserve Bank of St. Louis

A BANKS OF IOWA' BANK

Jan Townsend
Collections

An Affiliate of Northwest Bancorporation Banco
Call (515) 245-3131 or toll-free (800) 362-2514

igently to bolster the faith and con­
fidence in our institutions that will
help our country maintain a position
of world leadership.
“ And, we must move to attain
and keep order in the marketplace.
It starts right here. ’ ’
□

Iowa News
AN D REW : The State Banking
Board gave approval last week for
Andrew Savings Bank to move to
Bellevue, about 12 miles northeast,
and retain an office in Andrew. An­
drew State Bank has about $12 mil­
lion deposits. Bellevue State Bank
has about $18 million deposits. An­
drew’s population is about 1,100;
Bellevue’s is about 2,300.
DES MOINES: Robert A. Baudler
has recently accepted the position of
vice president, commercial loans, at
Hawkeye Capital Bank & Trust. His
new position will include supervis­
ing commercial, real estate and agri­
cultural loans as well as overseeing
the compliance and credit depart­
ments of the bank. Mr. Baudler joined
the bank a month ago and has served
in several capacities in Hawkeye
Bancorporation over the past nine
years.
F A IR FA X : John L. Krall, 91, died
October 10 in Cedar Rapids after a
short illness. Mr. Krall was associ­
ated with several banks in Iowa
throughout his life including Com­
mercial Savings Bank of Iowa City
from 1911 to 1919 and Hills Savings
Bank from 1919 to 1924, where he

served as cashier. In 1924 he was
one of the founders o f Fairfax State
Savings Bank, where he served as
cashier, executive vice president and
then president. He was currently
serving as an honorary director. Mr.
Krall was noted as the second oldest
banker in Iowa having served 70
years in banking.
KEOKUK: Mrs. Chris (M.L.) Pap­
pas, 50, died suddenly of a heart at­
tack October 26, in a Ft. Madison
hospital. Mr. Pappas moved from
West Des Moines October 1 to join
State Central Savings Bank of Keo­
kuk as executive vice president.
Mrs. Pappas was in nearby Donnellson visiting their daughter, Debra
L. Kirchner, assistant vice president
of Citizens State Bank, when she
was stricken Tuesday morning. She
was taken immediately to a hospital
10 miles away in Ft. Madison, where
she died. Burial services were held
last week in East Moline, 111.

Nebrasks News
A L E X A N D R IA : Bill Apking has
announced the sale of the State
Bank of Alexandria, which he has
been president of since 1971, pend­
ing final approval of banking reg­
ulatory agencies. The bank is being
purchased by Aurora banker James
McBride and associates, and Bob
Wolf, who will serve as president of
the bank. Mr. W olf had previously
worked for Packers National Bank
in South Omaha.
RUSHVILLE: Richard Otto has
joined Stockmen’s National Bank of
Rushville as vice president, in addi­
tion to having purchased an interest
in the bank. He previously was with
Packers National Bank of Omaha in
the correspondence division.

Minnesota News
The Twin Cities Chapter of the
Bank Administration Institute has
announced an “ Effective Writing
and Procedures” seminar November
18 from 8:30 a.m. to 4:00 p.m. at the

S ingle System Banking
With
A v a ila b ility
Availability of funds. . . availability of people. . .
responsive to your needs.

National Bank of Waterloo

Waterloo, Iowa 50704 Member FDIC

Phone Bill Rickert
at 1-800-772-2411.

Supplement to
Northwestern Banker Newsletter
11- 1-82

Carleton D. Beh Company
Investment Bankers / Financial Consultants
1300 Des Moines Building / Des Moines, Iowa 50309
515 / 288-2152

NEW ISSUE

MOODY’S: A1

We own and offer subject to prior sale and change in price and subject to our attorney’s approving opinion:

$17,000,000
AMES, IOWA
Electric Revenue Bonds, Series 1982
DATED:

November 1,1982

DENOMINATION:

$5,000

Both principal and semiannual interest (January 1 and July 1; first coupon due July 1,1983) payable at the o f­
fice of the City Treasurer, Ames, Iowa.
IN THE OPINION OF COUNSEL INTEREST ON THESE BONDS IS EXEMPT FROM ALL PRESENT
FEDERAL INCOME TAXES.
MATURITIES
$ 360,000
935,000
$1,030,000
$1,135,000
1,245,000
1,365,000

10.50%
January 1,
January 1,
10.40%
January 1,
10.00%
January 1,
January 1,
January 1,

1987
1988

8.25
8.50

1989

8.75

1990
1991
1992

1,500,000
1,640,000
1,785,000
1,945,000

9.00
9.20
9.40

January
January
January
January

1,
1,
1,
1,

1993
1994
1995
1996

9.60
9.75
9.90
10.00

$2,000,000

10.10%
January 1, 1997

10.10

$2,060,000

10.20%
January 1, 1998

10.20

‘ Callable in inverse order on January 1, 1993 at 102.00% declining to 100% on January 1, 1997
LEGALITY TO BE APPROVED BY BELIN, HARRIS, HELMICK & HEARTNEY, ATTORNEYS,
DES MOINES, IOWA
The City of Ames is located in Central Iowa, approximately thirty-two miles north of the City of Des Moines, the State capital. Incorporated
in 1869, the City has experienced steady growth and has become the principal city in Story County. The City occupies an area of 20 square
miles and has a population estimated by the City to be 45,775. While the City is adjacent to and is within the economic influence of the Des
Moines/Polk County Standard Metropolitan Statistical Area, it maintains a unique cultural and economic identity. Iowa State University, with
a fall 1982 enrollment of 24,420 and a staff of over 7,000 is an integral and major part of the community. Ames also serves as a retail center,
with a regional shopping center complementing retail and service establishments.
The Ames Municipal Electric Light and Power Plant and System was established pursuant to an election in 1896. Since that time the system
has been periodically updated within the area of generating capacity and distribution facilities. The System now serves the entire City, as
well as certain installations of Iowa State University, either by direct service or by wheeling power generated by the Iowa State University
generating facilities. The present service boundary of the Ames Electric Utility covers an area of approximately 19 square miles and includes
approximately 12,598 residential customers, 1,498 commercial customers, and 230 industrial customers.
The Series 1982 Bonds are being issued to finance the estimated balance of the costs of acquisition and construction of the Project. Pro­
ceeds will be used to call and retire Electric Revenue Pledge Orders, Series 1981, heretofore issued to provide interim funds to defray the con­
struction costs.

HISTORIC AND CURRENT EARNINGS

1979
1980
1981
1982

Net Revenue
Available for Debt Service

Debt Service

Coverage

$4,100,295
5,778,210
6,432,203
7,163,133

$2,569,275
2,989,718
2,981,406
2,947,943

1.60X
1.93X
2.16X
2.43X

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 particular maturity may or may not still 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

Division of

Hutton

& Company Inc.


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Federal Reserve Bank of St. Louis

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Federal Reserve Bank of St. Louis

Supplement to Northwestern Banker Newsletter 11-1-82

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Federal Reserve Bank of St. Louis

3

Estate Appraisals
Purchase o f
Collections

BROODS
BanW
Cotfesp0'
R ep tese^
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913 Locust
D es M oin es, Iowa 50309
515-243-8064

Normandy Motor Inn, Minneapolis.
Guest speaker for the seminar is
Elizabeth Perry, a partner in the
communications firm, Berry and
Associates.
Persons interested in attending
should contact Frank N. McKean,
M idland N ational Bank, (612)
372-7119.
BELLINGHAM: Gary Blahosky, as­
sistant cashier at State Bank of
Bellingham for the past two years,
has been named executive vice presi­
dent and managing officer, replacing
Gene Noonan, who vacated the posi­
tion earlier this year. Brian Haugen
has joined the bank as assistant
cashier.
M INNEAPOLIS: W. James Arm­
strong, president and chief ex­
ecutive officer of Northwestern Na­
tional Bank, has announced plans to
relocate the Lincoln branch, present­
ly located at Hennepin Ave. and
Eighth Street, to 1221 Nicollet in
the Loring redevelopment area. The
bank will occupy 11,000 square feet
on the first floor of an eight-story
building. The Lincoln branch will
continue to operate at its present
location until the move to the new
facility, which will offer full-service
banking and 24-hour instant cash.
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LAKE BENTON: James Hella has
been named president of the Lake
Benton Farmers State Bank. He had
previously been employed for the
past 11 years at the Twin Valley
State Bank, most recently as ex­
ecutive vice president.

SERVING PROFESSIONALLY
Banking, Financial & Business Personnel
Iowa and Nationwide

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

Illinois News

North Dakota News

ROCKFORD: R. Richard Bastian
III has been named president and
chief executive officer of First Na­
tional Bank & Trust Company. He
succeeds Howard E. Bell, who will
remain as chairman but will devote
his time to First Community Ban­
corp, Inc., the multi-bank holding
company where he serves as chair­
man, president and chief executive
officer. Mr. Bastian has been serv­
ing as president and chief executive
officer of Republic Bank and Trust
Company of Tulsa, Okla.

L E H R : Central D akota Bank
Holding Company recently received
approval from the Federal Reserve
Bank of Minneapolis to become a
bank holding company through the
acquisition of the Central Dakota
Bank in Lehr.

Wyoming News
CHEYENNE: The board of direc­
tors of First Wyoming Bank, N.A.,
has announced that Robert T. Noel,
president and chief executive officer,
has resigned his post to accept a po­
sition with another banking organi­
zation. The board also announced
that it has elected Daniel B. Claw­
son, executive vice president of the
bank, to be acting president and
chief executive officer. He joined the
bank in 1980 as vice president and
senior loan officer.

South Dakota News
VERM ILLION: The board of direc­
tors of First Bank of South Dakota
has promoted Vern O. Holter, pre­
sently vice president and manager of
the bank’s community banking cen­
ter in Vermillion, to the position of
president. The announcement was
made by Nels E. Turnquist, chair­
man, who added, “ This promotion
reflects an expanded authority for
the manager o f a community bank­
ing center to address the financial
needs of the community he serves.”
•

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515-232-0814
P.O. Box 450 405 Main Ames, Iowa 50010
Donald E. Holder , Principal

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United we grow.Tbgether.

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

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Dick M uir

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Larry Russell

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Steve Panknin Joyce Chaney Pat Baldwin

Thinking about
selling your bank?
Consult with

Homer Jensen
or
Dick Buenneke
Over 50 years’ banking
experience
No fee to seller
1031 Carriers Building
Des Moines, Iowa 50309
Phone: 515-243-7434

POSITION AVAILABLE
CEO—$30 million dollar ag bank chain. Eastern Nebraska.
Experience required in all phases of banking. Must be ex­
tremely skilled, competent and likeable. Send resume to
file QBV, c/o Northwestern Banker.
(PA)
TRUST OFFICER—Eastern Iowa location. Salary open
depending upon experience. Marketing skills important.
Send resume to file RBD, c/o Northwestern Banker.
(PA)
MANAGING OFFICER—Position open immediately for
manager of a $9 million south central Minnesota bank.
Phone Dale. Harberts, 507/368-4261 or L.A. Omundson,
605/335-1508.
(PA)
Aggressive, sales oriented person with some agricultural
lending experience to be manager of branch office.
Responsibilities to include calling on prospective
customers, supervision of branch staff and to be part of
management team of a rural eastern Iowa community
bank. Must be self-starter and interested in community ac­
tivities. Salary determined by experience and education.
Send resume to file RBE, c/o Northwestern Banker. (PA)

POSITION WANTED
Single male, age 26, seeks banking opportunity, preferably
in midwest. Past experience has been county agent work
and manager of paying and receiving bank station. Com­
plete resume and references will be furnished. Contact
Kevin Lipetzky, Box 154, Kensal, North Dakota 58455. (PW)
EXPERIENCED accountant/bookkeeper, with proven track
record in all phases of office bookkeeping and accountan­
cy, seeks position with responsibility for all aspects of a
business office. Fully experienced in completing and filing
on time all federal and state government reports; prepara­
tion and reports of payroll; handling all aspects of billing
and collection of accounts receivable; preparation of P&L
statements; compiling and updating year-end inventory
and depreciation schedule; maintaining stocks and CDs;
converted from NCR 400 to IBM 1130 computer. Planned
and reorganized bookkeeping procedures that eliminated
all over-time needs. Successful record as accountant and
office manager and in supervising business personnel.
Husband has moved to Des Moines area for new position.
If you want an experienced, happy person to bring ac­
curacy, neatness and promptness to your accounting and
bookkeeping functions, contact file RBH, c/o Northwest­
ern Banker.
(PW)

POSITIONS AVAILABLE

don Æ chcxiler 17
AND

iM u m

ASSOCIATES

"S u cce ssfu l Banking is Q uality P erson nel"

Office Manager for major western Iowa b a nk...................
..................................................................... Salary $25,000
Insurance Manager for major bank in North Dakota. Re­
quires management experience in larger bank agency . . .
....................................................................... Salary open.
Executive V.P. with solid lending experience for $40
million b a n k.............................................................Salaryopen.
Correspondent Officer for $2 billion city bank..................
............................................................... Salary to $40,000
Write or call Malcolm Freeland, Freeland Financial Ser­
vice, Inc., 1032 Carriers Building, Des Moines, Iowa 50309.
Phone 515/282-6462. Employer pays fee.

COMMERCIAL LOAN OFFICER

Junior Ag. Loan Officer.......................... Salary to $23,000

$85 million Central Minnesota Bank. Candidate
should have commercial lending experience with
a corporate bank or completed Commercial Bank­
ing School. Opportunities to grow with the bank.
Excellent benefits. Send resume & salary re­
quirements. Write file RBB, c/o Northwestern
Banker.
(PA)

Commercial Loan Officer......................Salary to $25,000
Vice President Production Credit—Correspondent or na­
tional accounts background. Ag experience a must.
Salary to $42,000
Correspondent Banker..........................Salary to $30,000
Please write or call in confidence to Brad Boe, finance
specialist, Management Recruiters, 7625 Metro Boulevard,
Suite 350, Minneapolis, Minn. 55435. Phone 612/835-4466.

BANKERS AVAILABLE
Commercial Lender with eight years of experience in $100
million b a n k ......................................................... $35,000
CPA/Chief Financial Officer of Thrift Institution...............
............................................................. Salary negotiable.
Real Estate Executive with 16 years experience in all
phases.................................................. Salary negotiable.
Bank Examiner with eight years of experience. Strong in
loan analysis............................................... Salary $30,000
Auditor/CPA with seven years experience in major banking
fir m ...... .................................................. Salary $30,000
Strong Second Man in community bank seeks new oppor­
tunity ..................................... ....................Salary $32,000
Ag Lender with ag degree and limited experience.............
.....................................................................Salary $16,000
Cashier with college degree and four years experience . . .
.................................................................... Salary $23,000

SKI THE SUMMIT!!!

All positions are in Missouri, Arkansas, Kansas or Oklahoma
Ag/Commercial Lender, $40mm, small town
to $27,500
Business Coordinator, Multi-Banks, metro
to $45,000
Agriculture Lender, $30mm, small town
to $28,000
SVP, Commercial Department Head, bank over $200mm
to $75,000
President, $50mm, Suburban bank
to $55,000
President, $4mm, small town
Open
Commercial Loan Officer, Prime location
Open
President, New Charter, resort location
to $35,000
#2 Man, $45mm, Suburban bank
to $40,000
President, $30mm, population 40,000
Open
Correspondent Lender, Commercial Dept., metro to $35,000
Vice President, Commercial/Agri lender, $70mm to $35,000
Eighteen years of banking serving as President of both
rural and metropolitan banks enables me to find the right
banking environment for you. I assure your confidentiality.
Phone or send resume to: Don W. Schooler & Associates,
901 A. West Jackson, Ozark, Missouri 65721. Phone (417)
485-6020 (9a.m. - 5 p.m.).

Number Two Person for Nebraska community bank. Re­
quires knowledge of operations/ag lending......................
..........................................................Salary to $28,000
Cashier for central Nebraska ba nk.......................... Salary$25,000

POSITIONS AVAILABLE

LOAN OFFICER—Some commercial loan experience. $25
million bank in NE Iowa. Write file RBG, c/o Northwestern
Banker.
(PA)

DWAYNE SMITH
Paradise Properties, P.O. Box S
Dillon, Colorado 80435
Phone toll free 800/922-2590

Cashier for $60 million midwestern bank. Requires
minimum of 5 years experience in larger community bank.
Lending knowledge h e lp fu l.....................................Salaryopen.

Commercial Loan Officer A.V.P............Salary to mid $30’s

Aggressive NW Illinois bank has an immediate opening for
an AGRICULTURAL LENDER. Must have experience in
agricultural lending, farm management, and have an agri­
cultural degree. Will have some exposure to commercial
lending also. Excellent benefits. Salary commensurate to
experience. EOE. Send resume to file RBF, c/o North­
western Banker.
(PA)

Three-Bedroom and Two-Bedroom, two bath
townhomes available for sale or rent. Most have
covered hot tubs on the deck. Prices range from
$114,000.00 to $119,000.00. Financing available.
Contact:

POSITIONS AVAILABLE
Ag Lenders needed by four northern Iowa community
banks. Prefer college degree and minimum of 3 years
banking experience.......................................................To$28,000

$99.00 per month will put a single pocket proof machine in
your bank. Phone 308/384-5995 for details.
(FS)
One Three-M Secretary II Photo Copy Machine. Factory re­
conditioned. Two years old. Model 360 AG. Under
maintenance agreement to 8-1-82. $800.000. Call
402/374-2020.
(FS)

AG LENDING OFFICERS
If you would like to use your current expertise in
ag lending to develop a career in commodities,
please contact:
John Kingston
R.G. Dickinson & Co.
910 Grand Ave.
Des Moines, IA 50308
Phone: (515) 247-8143
(Offices in Iowa, Nebr., Kansas & Colo.)

Senior Ag Lender with college degree....... Salary $32,000
Write or call Malcolm Freeland, Freeland Financial Ser­
vice, Inc., 1032 Carriers Building, Des Moines, Iowa 50309.
Phone 515/282-6462. Employer pays fee.

POSITIONS AVAILABLE
AGRI-LOAN/OPERATIONS—-opportunity for second of­
ficer position in $20MM rural Iowa bank. Primary duty will
be Agri-Loans.
$25,000
CASHIER—$30MM community bank within 60 miles of
metro-area. Prefer three yrs. or more experience in similar
size institution.
$25,000
COMMERCIAL LOAN—suburban bank with aggressive
loan philosophy. Degree and minimum five yrs. commer­
cial loan experience.
$38,000
SENIOR LOAN OFFICER—all lending areas, including Ag,
will report to this position. $60MM community bank.
$40,000
SECOND OFFICER—manage loan portfolio for $25MM
rural bank. Knowledge of operations helpful.
$30,000
AGRI-LOAN—addition to staff of $15MM rural bank.
Degree and two-three yrs. experience required.
$18,000

Would you trust your money with a
sloppily dressed teller? Perhaps your
customers feel the same way. We can
change that for only $1.00 per teller
per day.

Æ eA M oek^
CAREER APPAREL
^ 2 ^ N ^ I a ii^ t v C a r r o llJ [a ^ H 0 ^ ^ 7 9 2 -2 7 4 8 j

AUDITOR—$50MM suburban bank. Handle all internal
audit functions. Accounting degree desired.
$20,000
CONTROLLER—serve as chief financial officer for $80MM
urban bank. Prefer CPA with bank experience.
$40,000
Other career opportunities available for junior and senior
officers. Resume' and salary requirements requested.

TOM HAGAN & ASSOCIATES
of Kansas City
2024 Swift - Box 12346
North Kansas City, MO 64116
816/474-6874
“ Serving the Banking Industry Since 1970”

Vol. 11 No. 28 Northwestern Banker Newsletter (USPS 873-300) is published weekly by the Northwestern Banker Company, 306
Fifteenth Street, 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.

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