F&M’s TRUST
DEPARTMENT
Customer
Spotlight
Carpet Creations
O’Fallon, Missouri
Barry Love, Owner
Carpet Creations rolled into existence
in 1966. Forty-four years and tens of
thousands of satisfied customers later
owner, Barry Love, is keeping up the
tradition of rolling out any type of
flooring you can think of.
Barry likes to say, “If you can walk
on it, we lay it.” You realize he’s not
kidding when you see the mile-long list
of products customers have to choose
from. Flooring is a complex beast and
Carpet Creations is the lion tamer.
They sell all types of flooring and
accessories including carpet, ceramic,
hardwood, vinyl, laminate, the list
keeps coming. If you don’t want to
mess with the hassle of installation,
Carpet Creations will professionally
install your flooring too!
To go along with their long list of
products and services, Carpet Creations an affordable price for you. Stop by at 305 South Main
want their customers to know they’ll
be taken care of. “When we get a
customer, we take care of them in the
future, not just that day,” Barry says.
It’s a lot like Barry’s relationship with
Hannibal, MO Monroe City, MO
505 Broadway O’Fallon, MO
3912 Market Street Palmyra, MO
Highway 61 North
Volume 4/Issue 2
One of the main reasons
to have a corporate
trustee is to maintain
peace and harmony
within the family.
–see page 4
“They’re just good people.
I like coming in and having that
hometown kind of feel with my bank.”
F&M Bank and Trust Company in O’Fallon. Carpet
Creations has been an F&M customer for over four
years now. Why does he like F&M? Barry said, “They’re
just good people. I like coming in and having that
hometown kind of feel with my bank.” In many ways
F&M and Carpet Creations are alike. They give real
value to the customers they serve every day.
Whether you need flooring for the weekend warrior
project you’re working on or a large volume purchase
for an industrial job, Carpet Creations can lay down
Street in O’Fallon, or log on to www.carpetcreationsstl.
com to get more information or details. You can always
call the store as well at 636.272.5400. Barry and his crew
will be sure to take care of you.
Shelbina, MO Account Information 1.800.606.6414
Quincy, IL Toll Free 1.877.221.6424
www.bankfm.com
New Employees F&M Bank and Trust Company
Nancy Goellner
Teaches Children to Save
Nancy Goellner joined
the Palmyra Branch in Teach Children to Save is a national campaign that raises awareness about the role
November, 2009 as a CSR. that banks and bankers play in helping young people develop lifelong savings habits.
She joins F&M Bank This is the second year that F&M Bank has participated in the Teach Children to
with 6 years of previous Save program during the months of April and May.
banking experience.
Nancy was born and Eight F&M employees teamed up this year to present the program in twenty-
raised in Palmyra. She five classrooms to 491 students. The students ranged from first grade to sixth grade
and her husband, Bill, and were in the Hannibal School District, Palmyra School District, and Mark
have been married 26 years and have 2 daughters, Twain Junior High School in Center. Jaclyn Givan, Senior CSR for F&M Bank,
Rebecca and Sarah. Nancy is a member of the
First Christian Church, President of the Palmyra was one of the team members who participated both years. Givan said, “This year
Greenwood Cemetery Board, Club Leader for we read books as part of our classes. The books taught a variety of lessons including
Fabius 4-H Club, active member of Lions Club, compounding, making good money decisions, spending money wisely and ways
and Marion County Democrat Club. to earn money. The kids have been great. I love hearing their stories and learning
about how they earn money. Whether the kids receive an allowance, receive money
Anna Cole as a gift for birthdays or for Christmas, or even find it in the street, they have tons
Anna is the newest
team member to join of great ideas and love to share them with us. I have really enjoyed teaching these
the North Branch. A classes and am glad to work for a company that gives back to the community in this
December 2009 graduate way. I look forward to seeing the kids next year!”
of Hannibal LaGrange
College, Anna recieved Students who don’t receive an in-person lesson from a banker volunteer can get
her bacholor’s degree in savings education resources from the Teach Children to Save website:
Business Administration www.teachchildrentosave.com. The website brings components of the Teach
with an emphasis in
Children to Save program into the homes of families across the country and offers
Finance. She enjoys
spending her free time tips for young people and their parents on how to set up a budget, start a savings
with her fiancé, and reading books. She is a member account, and make deposits regularly.
of the Gem City Baptist Church in Quincy, IL. The Teach Children to Save program is one of many ways that F&M Bank and
Trust Company gives back to the communities it is a part of!
Jan Kendrick
Jan joined the Main
Branch team in April of
this year and appreciates
being included in the
F&M Team. Jan and her
husband Parker, who
F&M O’Fallon Welcomes
runs a farming operation
between Monroe City John Stadsvold to their Team
and Hannibal, reside
in Monroe City. They have five children, four
of which live around Kansas City, Missouri and John Stadsvold is the latest member to join the F&M
Kansas. One lives in Alabama. Leisure time is spent
visiting family - especially her two grandsons. Wealth Management Group. John started working for
F&M in early April and comes to F&M with over 30 years
Kayla Frankenbach of experience in trust administration, financial planning
Kayla joined the Main and investment management. John’s new title is Wealth
Branch team of F&M Management Group Manager. He will be helping people
in May and has 3 years
of prior knowledge as develop smart and effective strategies for managing,
a bank teller. She just preserving and sharing their wealth, including how it
completed her first year at will be transferred across to future generations. John will
the University of Central be working in the O’Fallon, MO office but will make
Missouri in Warrensburg
where she is majoring frequent trips to the Hannibal, MO office as well.
in Speech-Language John graduated from Minnesota State University with a Bachelor degree in
Pathology. The daughter finance and has continued to learn more about what it takes to be a success in
of Paul and Pam Frankenbach of Palmyra, Kayla
is relieved to have finished finals and is looking
the investments industry. While not at work, John enjoys gardening, reading and
forward to spending time at home with her family. participating in half marathons with his wife, Jeanne. He noted that since coming to
“I am excited to be working at F&M this summer work for F&M he has learned why F&M has continued to be a strong force in the
and appreicate the help and support from the banking industry. He said, “despite the economic challenges over the past 139 years,
F&M team” said Frankenbach.
business models have changed, but the success from doing the right thing has not,
which is what F&M does so well. They treat their people and customers right.”
Growing in O’Fallon: Board Member Focus:
New Location. New Team Members. New Services.
Bayard
In 2003, we started looking at opening a new loan production office in Plowman
the fast-growing St. Charles County (O’Fallon, MO) area. This new store Bayard
front operation was going to be in response to a unique experience F&M Plowman was born
in Mercer, North
was undergoing: very good growth of deposits vs. not having enough interest Dakota. As a baby,
intake from loans to stay up with and balance the growth of deposits. The his family moved
O’Fallon branch, focusing on owner occupied residential real estate, was to Hannibal, and
opened in the Spring of 2005. Since then our experiences have been amazing! Hannibal has been
Growth at this location was tremendous. Our clients, many of whom grew his home ever since.
Bayard attended Westminster
up in the Hannibal area and are now living in St. Charles County, started
College and left for wartime training
requesting more services including deposits and investing services. In 2008, service as a pilot. He traveled all over
this one employee branch grew to four team members, deposits started being the country honing his craft through
accepted and an investment services department was opened. We knew our the Army Air Force. “ I learned more
clients and potential clients would like drive up access for convenience so in the service than all of his university
when our new location at 70 Crossroads Plaza became available we knew training,” explains Bayard. He served
4 years 5 months 9 days and 10 hours
that would be our next step. This new location is just one mile south of the during World War II.
Highway K location. After the service, he worked for
After several months of planning and preparation, our new location, Santa Fe Bus service. He met and
complete with safe deposits and three-lane drive up access, opened its doors married Mary V. Hickman, a Welsley
at 9:00 a.m. on Monday, June 28th. Our staff in O’Fallon lead by Kim graduate. Her father ran Hannibal
Savings and Loan. Together they had
Starbuck, Branch Manager have done a great job. Staff include, Ron Epps, three children: Wilson, Stevens and
Loan Officer, Donna Kiser, Customer Service Representative, Eric Evers, Vice Harriet Anne.
President & Senior Investment Services Manager. In addition two new team In 1948 Bayard was elected
members, John Stadsvold, Wealth Management Group Manager and Arlene Secretary of the Marion County Mutual
Nichols, Customer Service Representative have joined the team. Their efforts Loan and Building Company located
at North Third and Broadway. At that
in community involvement, the level of professionalism, and dedication have
time they had 120 depositors and 60
propelled them to success far beyond our original objectives. loans with $250,000 in assets. To get a
loan then meant 1/3 down for 10 years
at 8% interest. There was no paperwork
– it was more of a gentleman’s
agreement. To get a loan, work ethic
was as important as the job you held.
Active in politics, Bayard held the
office of Associate Judge, Presiding
Commissioner and ran for Senate.
Today Bayard is one of five Department
of Finance Commissioners.
Bayard served for years as president
of MCM Savings Bank. Currently
Bayard is Chairman of the board of
F&M Bank and Trust. “The computer
has been one of the biggest changes I’ve
seen in banking,” states Bayard. “The
world changes, it changes all the time.
Computers have been a change for the
good.”
Bayard is active in Rotary, is a past
Our new location at 70 Crossroads Plaza, complete with safe deposits Chamber of Commerce President and is
a member of the Presbyterian Church.
and three-lane drive up access, opened its doors at 9:00 a.m. on
Monday, June 28th.
 Advantages of a Corporate Trustee
What is a corporate trustee?
A corporate trustee is a bank trust
department or trust company. F&M Bank
has been helping their clients build, manage
and protect their wealth for generations.
When a trust is established, it is critical
that our clients name a trustee to fulfill the
duties listed in the document. While they
can choose a trusted individual, there are
many reasons why they should consider a
corporate trustee.
Because corporate trustees manage
trusts everyday, they are experts that have
the knowledge and experience as well as the
familiarity with the legal responsibilities
of a trustee. Buying and selling assets,
paying bills, filing tax returns, maintaining
accurate records as well as distributing
income to beneficiaries are a few of the
more important responsibilities. Many
of our clients have very capable family
members who they may consider as a
trustee. A point often overlooked, is the
reality that the appointed family member
is in almost every instance too busy to deal
with the day-to-day details of managing a
trust for the benefit of all. Managing a trust
is a full time job.
Corporate trustees are regulated by
both state and federal agencies. The peace
of mind that comes along with a corporate
trustee is invaluable. By working with
F&M Bank, our clients are provided
with reliable, professional service. We will
always be here... as we will not die, become
1870-2010
An Accomplishment We Are Proud Of!
Hannibal Main Hannibal North Hannibal Oakwood Monroe City O’Fallon Palmyra Quincy, IL Shelbina
Branch Branch Branch Branch Branch Branch Branch Branch
Recognizing
Oustanding
Commitment
in the
Banking Field.
divorced, go on vacation or be distracted
with personal concerns and emotions. We Judy Dewey
are and have to be objective, by following
specific instructions within the trust
26 Years
document.
In meeting the objectives of our
clients, a most popular arrangement is
to have us named as a co-trustee with a
family member or personal advisor. We
Jan Lamberson
can address the day-to-day details of the
trust, and have the personal input of a
trusted family member in meeting both 26 Years
the fiduciary requirements and personal
goals and concerns of our clients.
In conclusion, our clients can allow
their family member to dismiss us if
they are unhappy with our service for
any reason. This specific language can be
written into the trust. One of the main
reasons to have a corporate trustee is to Tillie Allen
maintain peace and harmony within the
family. Our expertise in working with 25 Years
families is where we really shine; for one
very important reason - because we care.
“There are basically two types of people.
People who accomplish things, and people
who claim to have accomplished things.
The first group is less crowded.”
–Mark Twain