
THE
BANK is a locally owned "Community" bank. With us, your
deposits and investments stay here in the area helping your friends
and neighbors. We have a vested interest in the economic prosperity
of northwest Kansas and enjoy living, working, and raising our families
here. Our owners, directors, managers, and employees are members
of your community and many are involved in community service activities
outside of the office. THE BANK would like to be Your bank.
THE
BANK, with Kansas locations in Oberlin, Norton, Norcatur, Jennings,
Selden, Atwood, Herndon, Oakley, Colby, and Winona offers
a
full range of banking services to our customers, but our specialty
is in agricultural financing. In business since 1963, we have the
commitment, experience, and expertise to help make your financial
goals a reality.

"NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS" All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31,2010, through December 31,2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary insurance coverage of transaction accounts, visit www.fdic.gov.

All banks say they care about the community... Here?s what the FDIC had to say when rating THE BANK OUTSTANDING in Community Reinvestment
"An analysis of agricultural, business, and residential real estate loans reflects management?s excellent commitment to lending locally."
From FDIC Community Reinvestment Act Performance Evaluation, May 7, 2007

The Kansas office of the Farm Service Agency recently announced that THE BANK is the largest FSA guaranteed loan originator in the state. This has not come about overnight, as THE BANK has been using the guaranteed loan program to help farmers and ranchers for over 30 years. We take great pride in our ability to use this program to assist young and beginning farmers. The November,
1998 issue of "Successful Farming" magazine
recommends THE BANK as the only Kansas bank to consider when seeking
FSA guaranteed ag financing. THE BANK has the expertise, capacity, and with over 170 years of combined banking knowledge, the experience to help you to accomplish your financial goals. Whether your credit needs are large or small, THE BANK is the place for you.

BAUERFINANCIAL
Reports, Inc., Coral Gables, Florida has given THE BANK a 5-star rating, their highest
rating that any bank can receive for financial performance.
These ratings are provided as a service to consumers and are nationally
recognized by bankers and investors alike as being "the" bank
rating system. What this means to you, as a customer, is that THE
BANK is recognized by the industry as a safe, proven financial institution,
worthy of your consideration as a part of any sound investment strategy.

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