Topic

Discussion Date

ALLL

Sep 95

Ag Economy

Summer 99

Annual Shareholders Meeting

Jan 94, Feb 95, Dec 95

Applications Activity

Spring 98

Articles of Incorporation

May 95

ATM/EFT Applications

Oct 92*

ATM Laws

Aug 00

ATM Lawsuits

Spring 98, Summer 98, Fall 98, Fall 99

Audit Requirements

Sep 95

Automating Loan Review (ALERT)

Summer 97, Summer 98

Bank Conditions

May 95

Barnyard Type Loan

Fall 98

Baskets

Jun 96*

Board of Directors

Feb 95, May 95

Call Reports

Jan 94, Feb 95, Spring 99, Aug 00

CAMEL

Oct 92*

Capital Adequacy

Oct 92*

Capital Standards

Spring 99

Carryover Debt

Apr 94

Cash Surrender Value

Jul 92*

CEO

Sep 95, Spring 98

Charge-off & Recoveries

Dec 96

Closing an Office

Summer 98

Co-signor

Fall 97

Consumer Credit Code

Oct 92*

Contingent Liabilities

Mar 96

Credit File Documentation

May 95

Credit Bureau Reports

Winter 98

Crop Insurance

Jun 96*

CSBS Re-accreditation

Fall 98

Day With The Superintendent

Spring 98, Spring 99, Spring 00

Division of Banking

May 95

Economic Development

May 95, Dec 95, Mar 96

Examination

May 95

Examiner Training

Summer 98

Excess Loan Fines

Jan 93, Nov 93

Express Determination Letters

Jan 93

Farmland Values

Winter 98

FASB-115

Aug 93, Sep 95

FHLB Stock Investment Limit

Aug 00

Fiduciary Powers

Nov 93

Flood Relief

Aug 93

Fraud & Insider Abuse

Oct 96

Gift Law

Oct 92*, Jan 93

Holding Company -- Reacquired Shares

Fall 97

Holding Company

Mar 96

Internet Banking

Aug 00

Income Tax Allocation

Jan 93

Interstate Banking

May 95

Invest in Iowa Program

Dec 96

Investment Lmt -- Corp bonds

Dec 96

Investment Subsidiaries

Feb 95

Iowa Banking Act Update (1995)

Aug 94, Nov 94*, Feb 95, May 95, Mar 96

Iowa Finance Authority Mortgage Release Program

Spring 00

Lawyer Trust Accounts

Summer 98

Leases

Nov 93, Apr 94, Aug 94

Legislation

Winter 98, Spring 98, Winter 99

Lending Limit

Summer 99

Limited Liability Company

Apr 94

Livestock -- Custom Cattle Feedlot

May 95

Livestock Borrowing Privilege

Jan 93, Jan 94, Sep 95

Loan Review

Dec 95, Oct 96

Loan Work-outs

Winter 99

Loan Field Definitions

Summer 97

Motor Vehicle Service Contracts

Fall 98

Municipal Bonds -- Investment Limits

Fall 97

Nationwide Supervisory Agreement

Dec 96

Non-Core Liabilities

Aug 00

Off-site Examinations

Mar 97

Officer Borrowings

Aug 93, Jan 94

Officer Overdrafts

Mar 93, Jan 94

Organization Meetings -- Dir & Stkhldr

Dec 95

Participations

Sep 95

Procedures Committee Report

Winter 98

Prospectus

Sep 95

Public Deposits

Jul 92*, May 93, Summer 99*

Real Estate (allowable fees)

Oct 96, Spring 00

Real Estate Laws

May 93*, Aug 93, Nov 93, Apr 94, Feb 95, Jun 96

Real Estate Appraisal

Dec 95

Reg O

Jan 93

Residential Construction Lending

Jun 96*

Risk Diversification

Jun 96*

Risk Management

Mar 97

Safe Deposit Boxes

May 95

Securities

Nov 94*, Sep 95

Set Off Rights

Dec 95

State Banking Board

Summer 97

Structured Notes

Nov 94*

Survey

May 93*

Technical Exceptions

Apr 94, May 95

Technology Survey

Summer 97, Fall 97

Technology

Summer 98

TecTERRA Food Capital Fund

Fall 99

Travel Agencies

Dec 96

Trust Accounts, Bank Dealings

Aug 94, Nov 94*, Spring 00

Trust Accounts, Non-deposit IRAs

Jun 96*

Trust Examination Ratings

Summer 99

Trust Officers

Nov 93

Uninsured Investment Products

Nov 93

Vacation Policies

Dec 95

Web Site

Spring 99

Weiss Ratings, Inc. Y2K Survey

Fall 98

Year 2000

Mar 97, Winter 99, Fall 99

Year-end Bank Ratios

Mar 97, Spring 98, Summer 99, Aug 00