from all of us at united bank of iowa

Fort Dodge
Merry Christmas
Ida Grove
Carroll
FROM ALL OF US AT UNITED BANK OF IOWA
Storm Lake
Directors
Front Row: Deb Cher, Margaret Cape, Abigail Webb
Rich Bahls, Lynne Peterson, Janice Carlson, Jenni , Carol Meyer, Bette Habhab Middle Row:
Steve Mileham, Mike Biedenfeld, Janice Fiala, fer Brandt Back Row: Kathleen Husske,
Kerry Viken
Pierson
tes, Brittany Schwanz
Front Row: Cindy Janning, Joyce Brincks, Bev Schul
Christie Haberl, Debbie
nnis,
McGi
Pam
r,
eiste
Baum
Dawn
Row:
e
Middl
Nessa, Jeff Nelson
Nieland Back Row: Jim Friel, Katie Wall, Greg
Lohrville
Rockwell City
Churdan
ry Hultgren, Ken
, Sharon Godbersen, Lar
r,
Front Row: Lance MooreJack Eggspuehler, Curtis Rupert, Dan Dotzle
:
Row
k
Bac
ix
ker
Ke
Van
ehler, Steve Vohs
Owen Bolte, Duane Bu
Kingsley
Front Row: Suza
n Graham, Sier
Peun Sihachak-K
ra Phipps, Hop
Hahn Back Row: hamdaeng, Tami Tendal, Ca e Radke Middle Row:
rla
Jake Heuton, Ja
ke Schable, Ka Lindgren, Julie
ren Hartje
Ida Grove
anie Konradi, Andrea Ulrich, Emily Glawe
Front Row: Lisa Lundell, Tess Robinson, Steph
y Schwanz, Alicia Drury, Jessica Burk,
Middle Row: Samantha Roberts, Monita Kelly, Kase
rdson, Jeff Ullrich, Theresa Boger,
Richa
Mary
,
kamp
Stein
Jenny
Row:
Patti Haack Back
Melonie Petersen
Schleswig
Shirley Thompson, Jill Bobolz, Craig Moritz,
Heather Gilles, Desiree Roling
Glidden
Tim Woodward, Joan Nepple, Eric Happe
na
y, Daniel Rinehart, De
Shelly Brus, Kim Kerse
Anderson
Ida Grove
Front Row: Alan Weiss, Adam Dreeszen Back Row: Ashley
Reiser, Theresa Beeck, Amy Meseck, Lila Bubke
Front Row: Ericka Paulson, Chris Sedlacek, Denis
Middle Row: Jolene Rasty, Bob Roby, Deb Holto e Siefken, Melody Collins
rf, Sally Wenell Back Row:
Sara Block, Greg Burnside, Devin Landgraf, Paule
tte Ringgenberg
Moville
Ida Grove
Vicki Anstine, Craig Moritz, Jerri Jean Hardie, Shawn
Doran, Norma Nielsen
Harlan
er, Melissa
nard, Carol Thomson, Taylor Walk Lorenzen
dy
Front Row: Sandy Sykes, Shawna Leo
Wen
erg,
enb
Biel
Pat
s,
Thie
Kayla
a Schoenherr
Jensen Middle Row: Sandy Ullrich,
, Joe Cutshall, Ellen Schable, Lind
Back Row: Marcia Cates, Anita Whitney
Lake City
Front Row: Deana Rothmeyer, Dave McNamara, Susan Freml
Back Row: Mary Jo Toms, Shirley Petersen, Lisa Mahlberg, Kayla
Thielen, Janel Bock
Sac City
oreson
ller, Lisa Witten, Bart Th
ok Boeckman, Clay Mi Taylor, Jean Burns Back Row: Ken
Bro
ey,
Ril
ll
Wi
:
Row
nt
vin
Fro
ve Wilken
mbeck, Jim Spotts, Ke
Middle Row: Sharon Kralte, Asger Sepstrup-Sorensen, Jeff Buehler, Da
Bo
en
Ow
Van Kekerix,
Jeannie Krueger, JoAnn Merry, Stev
e Rippke, Tanja
Shever, Dianne Kempers
Arthur
Galva
Tara
Leege, Paula Kelloway, Dana Phillips,
Front Row: Sheryl Wonder, Waneta Teresa Lansink, Kari Siegner, Marissa Hare
n,
naha
e Gotto
Ruble Middle Row: Carol Bres
Dan Dotzler, Lisa Christiansen, Kati
Back Row: Earleen Uhl, Allen Lansink,
Lee Schoof Back
recht, Randy Bruck,
Front Row: Chuck Ob Stacy Ferry, Lynne White, Shaila
Row: Shirley Arkfeld, effman
Leuschen, Cheryl Kl
Alysia Zimmer, Dianne Graeve, Troy Whipkey, Lois Smith, Bill Engstler, Janet Schrad,
Arnie Koeppen, Sarah, Iler, Faye Huster
Beth
Hayley Mauer, Sheryl Middleton, Cassie Mentzer, Kellen Jacobson,
Hatch, Jeff Neubaum, Susan Albright, Carol Hansen
Sue Grieme, Trish Neimeier, Marty Boyle, Janet Graybill,
Ryssa Todd
Deb Fineran, Laura Lansink, Ardie Buller, Dennis
Johnson
Wendy Lorenzen
Emerald Club
Coordinator
MERRY CHRISTMAS!
Thank you again for a fun-filled year of
events, trips and activities with the Emerald
Club! We appreciate your business, loyalty
and friendship.
December 12, 2014 • 10:00 - 2:00
Christmas Open House
Stop in for refreshments at any UBI location.
Winter Escape • March 2-14, 2015
February 2015
March 2 - 4 (R, 2B, 2D)
Welcome aboard! We will
have a welcome reception
in Fenton, MO, dinner and
a play at Buttonwillow
Civil War Dinner Theatre in
Tennessee, and a Sunset
Dinner in Jekyll Island, GA.
Pie Day at the following UBI locations.
Friday, February 13
Carroll office • 10:00 - 2:00
Charter Oak office • 10:00 - 4:00
Schleswig office • 10:00 - 2:00
Wednesday, February 18
Denison office • 10:00 - 2:00
Moville Fire Station • 1:00 - 3:00
Thursday, February 19
Kingsley office • 2:00 - 4:00
Moorhead office • 10:00 - 3:00
April 13, 2015 • 2:00
The Sweethearts of Branson
Orpheum Theatre • Sioux City
Denny & Sheila Renee Yeary, known as the
“Sweethearts of Branson,” bring their family
variety show of great classics, laughter, faith,
family and beautiful harmonies to the stage.
Denny’s bass tones are featured on songs from
“Big Bad John” to “Elvira” and Sheila Renee’s
voice can be spellbinding. They sing everything
from old-time folk to country and specialize in
hits from Patsy Cline and Jim Reeves.
Please RSVP to any UBI office by March 12.
$105/person show ticket, lunch and transportation
CHRISTMAS GIFT IDEA
Your loved ones can purchase Emerald Club
Travel Gift Certificates at any UBI location and
you can use them for any of our getaways!
Please RSVP by December 22 to any UBI office.
March 5 (B, L)
We begin with a breakfast
buffet followed by a tour
of Jekyll Island, the Jekyll
Island History Center
and Georgia Sea Turtle
Center. As we travel to St.
Augustine, FL we will have
a boxed lunch and trolley
tour upon arrival. Enjoy
shopping and dinner in the
historic district.
Overnight-St. Augustine, FL
March 6 (B)
After breakfast, we tour
Daytona International
Speedway and Kennedy
Space Center.
Overnight-Titusville, FL
March 7 (B, D)
Today includes breakfast,
a Millionaire’s Cruise in Ft.
Lauderdale and dinner.
Overnight-Miami Lakes, FL
March 8 (B)
A tour of Miami, visit to
the Everglades and to the
Edison and Ford Winter
Estates are all in store.
Overnight-Port Charlotte, FL
March 9 (B)
Today we see the Ringling
Estate and manatees.
Overnight-Treasure Island, FL
March 10 (B)
We’re free to explore our
resort today and enjoy
a dinner cruise aboard
Starlite Sapphire.
Overnight-Treasure Island, FL
March 11-14 (4B, D, R)
These last few days we will
travel via coach, tour the
National Naval Aviation
Museum, Elvis Presley’s
hometown and Graceland.
Pricing:
$3,079/person triple or
quad occupancy (3-4 people
sharing a room with two beds)
$3,249/person double or
twin occupancy (2 people
sharing a room)
$4,299/person single
occupancy (room for 1 person)
B=Breakfast L = Lunch D=Dinner R = Reception (Included in price)
Cancellation Policy: Trip cost is not refundable unless a person is available to take your
place or we are able to get a refund from supplier.
Member FDIC
Winter 2014
As I’m sure you are aware, the economy
is constantly changing due to economic
and political factors. In rural Iowa, we
are experiencing some changes. Corn
and soybean prices have dropped
significantly from the highs last year,
creating economic challenges for some
of our grain producers. At the same time,
livestock prices are at all time highs.
Depending on your situation, you may be
facing either a large increase or decrease
in income.
Our current economic situation can be
described as the “Triple 3” – $3.00 corn,
$3.00 calves, and a 3.25% prime interest
rate. We’ve had the greatest corn/soybean
grain cycle of above average prices due
the help of the ethanol boom, drought
in the Corn Belt, and increased exports.
However, corn prices have fallen to $3.00$3.75, below the cost of production for
many operations. This was the result of a
loss of export sales due to the high grain
prices the last few years and projected
record yields. The best cure for low prices
is always low prices. We have seen a nice
fall rally in the grain markets. Be sure to
have a marketing plan in place and the
discipline to take advantage of these
opportunities. Remember, now that
fall crop insurance prices are set, we no
longer have price protection on 2014 crop
that is not priced.
The decisions we make now will be
determining factors for our future success.
To try and protect ourselves, consider
diversification, use of risk management
tools, and the use of the new farm
program. We feel it will be important to
learn about the new program. Please
visit our website, unitedbk.com, for
dates of Iowa State Extension meetings
for education on the provisions of the
program.
As Dr. Brent Gloy presented at the UBI Ag
Seminar in September, we still have many
reasons to be optimistic. 1) Agriculture will
be needed to feed the emerging growth
economies, which 86% of people live in.
The demand will be for more and higher
quality food, (protein especially), which
our producers will be here to provide.
2) Long-term interest rates appear to
be stable, as the U.S. Treasury rates are
already higher than most foreign rates. 3)
The U.S. economy is improving with lower
unemployment and a comfortable rate
of inflation. The stock market is again at
record levels, with lower oil prices helping
people to keep more in their wallets.
Those who suffer least from a downturn
in the farm economy are those who
embrace the challenge of adapting and
take proactive steps early on to make the
adjustments necessary to continue to be
successful. Here at United Bank of Iowa
want to emphasize that our ag lenders are
here to work with you. Communication is
very important to see us through these
more challenging times. We continue to
believe agriculture has a bright future
ahead...it just might require us to look at
it from a different perspective.
Iowa’s
#1 Ag Bank
10 years!
We’re Committed to Agriculture!
UBI customer is a Shazam Winner
Congrats to Lawrence Malone, Denison, a monthly winner in Shazam’s
third quarter promotion. He received a $50 Fandango® gift card.
Shazam sponsors a quarterly promotion for customers of the 1,500
banks they serve. The prizes for the current promotion are a $500
North Face gift card and eight $50 Starbucks gift cards. Customers are
automatically entered for a chance to win each time they use their
card. The more you use your card, the better chance you have to win.
Lawrence Malone and Karen Koch, Denison
If you don’t have a debit card, stop in a UBI office and apply - choose from a standard, photo or business debit card.