2018
Contents Welcome ............................................1 History ................................................2 Operating Units and Brands Ownership ..........................................3 Philosophy Community Involvement.....................4 By The Numbers .............................5 Financial Highlights ............................6 Board of Directors ..............................7 Executive Management Team ........8-9 Bank Management Teams and Boards ...................................10 Market Area Locations..........................................11 Banking Centers.........................12-13 Your Banking Experience .................14 Contact Information..........................15 Cover Photo: Groundbreaking for F&M Bank’s new Seminary Square facility in Galesburg.
Welcome Welcome to Central Bancshares, Inc., a community bank holding company based in Muscatine, Iowa. We are the parent company of two great banks: • CBI Bank & Trust in Coralville, Davenport, Kalona, Muscatine, Washington, and Wilton, Iowa; and Buffalo Prairie, Illinois • F&M Bank in Galesburg, Peoria and Brimfield, Illinois Central Bancshares is a strong, highly rated, community-oriented organization with local roots that, in some cases, go back over 100 years. Collectively we have 230 employees who serve more than 41,000 consumer households and businesses through a combination of 14 banking centers, as well as a full range of alternative delivery channels including ATMs and telephone, mobile and online banking.
Gregory J. Kistler
With nearly $900 million in total assets, we’re one of the area’s largest banking organizations––big enough to accommodate the needs of borrowers of just about any size in our market area. It’s worth noting that the $900 million figure doesn’t include assets under management by the Wealth Management (Trust and Investment) area of our banks, where we’re recognized as a leader in terms of strength, size and expertise. Add this into the equation and we’re approaching $1.8 billion in size. In December 2017, F&M Bank broke ground for a new banking center in the northeast part of Galesburg at Seminary Square. We anticipate the new location will be open by mid-summer. The facility will utilize a modern and open concept with a technology-focused design. In addition, the building will feature alternative energy in the form of solar power. Outside of the bank, we’re a strong believer in good corporate citizenship. Each year, our banks donate hundreds of thousands of dollars to local charitable causes. Perhaps more important, our officers and employees give freely of their time and expertise, and spend untold hours serving as volunteers, board members and leaders of these organizations. We also believe in the core concepts of independent community banking: local management and control, meaningful local input, empowered local employees, and dedicated local resources. Our organization lends to businesses and individuals, in both rural and urban settings, which helps our customers and the communities we serve to grow and prosper. If you have any questions or would like additional information on our organization, please feel free to get in touch with us. Contact information is on page 15 of this profile, and we’ll be happy to assist you. Once again, on behalf of all of us at Central Bancshares and our affiliate banks, welcome!
Gregory J. Kistler President and CEO Central Bancshares, Inc.
Central Bancshares, Inc.
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History Mid-
1800s
1869
1979
Central State Bank’s history can be traced to the mid-1800s. The private banking house of Isett and Brewster of Muscatine was one of the earliest of this type in Iowa and operated successfully for a number of years. In 1865, it was converted to a state-chartered institution, Merchants Exchange Bank, which was opened to the general public. During the intervening years there were name changes along the way. The year 1933 brought a combining of banking interests into a single operating unit, a new state charter, and a change in name to Central State Bank. The charter for The Farmers and Mechanics (F&M) Bank was granted on March 31, 1869. The founders chose a name that related directly to the real builders of the town, those hard-working farmers and the shoemakers, blacksmiths, carriage builders, and printers — all who were called mechanics. Company Founded: Central Bancshares, Inc. was organized by the principal owners of Central State Bank, Muscatine, Iowa, for the purpose of enabling growth through the acquisition of other banks. For over a decade, Central State Bank was our sole subsidiary.
1994
First Acquisitions: In April, 1994, our company’s first acquisitions occurred with the purchase of 100% of the stock of West Chester Savings Bank, West Chester, Iowa and Farmers Savings Bank, Kalona, Iowa. These purchases added approximately $65 million to our assets, lifting us to over $300 million.
1995
Charter Move: West Chester Savings Bank’s charter was moved from West Chester, Iowa to Washington, Iowa to facilitate expanding into that community.
1997
New Building in Washington: West Chester Savings Bank constructed a new banking center at 1060 West Monroe in Washington, Iowa.
2002
Charter Move: Farmers Savings Bank’s charter was moved from Kalona to Coralville, Iowa to facilitate branching into the Iowa City/Coralville market. Name Change: Concurrent with the charter move, the bank’s name was changed from Farmers Savings Bank to Freedom Security Bank.
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Central Bancshares, Inc.
2002 continued
Branch Consolidation: West Chester Savings Bank’s office in West Chester was consolidated into its Washington location. Galesburg Acquisition: The company acquired Galesburg-based Marquette Bank Illinois and concurrently changed the name from Marquette Bank to the original F&M Bank.
2006 2012 2013 2015
Wilton Market Entry: Central State Bank branched into Wilton, Iowa. The office operated out of a temporary trailer bank while a permanent facility was constructed. Associated Acquisition: F&M Bank acquired the Galesburg, Illinois offices of Associated Bank. Iowa Bank Merger: West Chester Savings Bank and Freedom Security Bank were merged into Central State Bank in mid-2013. The banks continued to operate under their existing names, as offices of Central State Bank. Buffalo Prairie Acquisition: The company acquired Buffalo Prairie State Bank and concurrently merged the bank into Central State Bank. Brokerage Acquisition: Central State Bank purchased a Muscatine-based brokerage practice that almost doubled that area of its wealth management business. Name Change & Rebranding: Buffalo Prairie State Bank, Central State Bank, Freedom Security Bank and West Chester Savings Bank came together under a new name, CBI Bank & Trust, on September 1, 2015 and adopted a new logo and corporate branding. The holding company also adopted a new logo and corporate brand.
2016
Brimfield Acquisition: The company acquired Brimfield Bank and concurrently merged the bank into F&M Bank. MidWestOne Bank, Davenport Office Acquisition: CBI Bank & Trust acquired the Davenport, Iowa office of MidWestOne Bank.
2018
New Building in Galesburg: F&M Bank opens a new banking center in northeast Galesburg at Seminary Square.
Operating Units & Brands Our organization is comprised of three primary operating units: the parent or holding company (Central Bancshares, Inc.) and two wholly-owned subsidiary banks (CBI Bank & Trust and F&M Bank).
Central Bancshares, Inc. is located in Muscatine, Iowa and is headquartered on the fourth floor of the CBI Bank & Trust building at 301 Iowa Avenue in downtown Muscatine.
CBI Bank & Trust is headquartered in Muscatine, Iowa. It has nine banking centers in eastern Iowa and western Illinois.
F&M Bank is headquartered in Galesburg, Illinois. It has five banking centers in west-central Illinois.
Ownership Central Bancshares, Inc. is a closely-held organization that’s owned by a relatively small number of stockholders. Traditionally the majority of shares have been held by individuals and families with roots in Muscatine, Iowa and the surrounding area. Shares are not publicly traded. If you have questions or would like additional information, please contact the stock registrar and transfer agent listed on page 15.
Central Bancshares, Inc.
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Central Bancshares, Inc. Philosophy Focus, Achievement, Quality and Character As a community bank holding company, all of our decisions are based on what is best for the individuals, families and businesses we serve. We are guided by the Vision, Mission and Core Values that are at the heart of our organization.
Vision: Doing the right thing, all the time.
Mission: Building mutually beneficial relationships on a foundation of integrity and respect.
Core Values: 1) Focus: We consistently develop and grow significant relationships with our business, agricultural and consumer clients. 2) Achievement: We are goal-focused and prepare diligently for future success. 3) Quality: We are proud to stand behind our people, our products and our presence in the communities we serve. 4) Character: We value integrity, mutual respect, and accountability. Using our Vision, Mission and Core Values to guide our daily actions and decisions allows Central Bancshares, Inc. and our affiliate banks to not only provide the best service to our customers, but to do what is in the best interest of our communities, now and in the future.
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Central Bancshares, Inc.
Serving Non-Profits, Charities and Community Organizations A cornerstone of Central Bancshares is working to improve our communities. Every year, we provide financial support to many worthwhile projects and the amazing community organizations doing great work where we live. Perhaps more important, our associates are encouraged to contribute their time and expertise, spending thousands of hours serving as volunteers, board members and leaders of local organizations. This is not out of a requirement from us, but because it is the right thing to do. Staying involved in our communities is the main way we say “thank you� to the people and customers who have given us so much. Here are some of the area organizations we have supported with our time and/or resources: United Way Habitat for Humanity Junior Achievement American Cancer Society Muscular Dystrophy Association YMCA Chambers of Commerce Big Brothers Big Sisters Community Schools & Booster Clubs Over 200 other local charities and events
By The Numbers... We’re in the business of banking, and banking is a business of numbers. Here are a few key statistics for Central Bancshares, Inc.
1979 Year Founded: Our company was organized in 1979, but the roots of our subsidiary banks go back much further.
$881,536,000 Assets: With assets approaching $900 million, we’re one of the area’s largest banking organizations.
$778,311,000
41,000
Deposits: We rank seventh for in-market deposits among the 74 FDIC–insured institutions in our 7 county market region, which includes several large metropolitan areas. (Source FDIC; 6/30/2017).
Customers: We serve an estimated 41,000+ customer households and businesses through our banks.
$888 Million Wealth Management: Our Trust and Investment Divisions combined handle approximately $888 million in client assets.
$824 Million Lending: Our overall loan portfolio is $557 million. In addition, we service $247 million in residential loans for the secondary market.
Two Bank Charters: CBI Bank & Trust, Muscatine, Iowa and F&M Bank, Galesburg, Illinois. Both are state chartered.
Fourteen Locations: Coralville, Davenport, Kalona, Muscatine (3), Washington and Wilton in Iowa; Brimfield, Buffalo Prairie, Galesburg (3) and Peoria in Illinois.
230 Employees: A total of 230 employees work for Central Bancshares, Inc. and our two banks.
*Data as of 12/31/2017.
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Financial Highlights The following table sets forth balance sheet data for the Company as of December 31, 2017, 2016 and 2015. Additional financial information can be obtained by visiting the financial reporting section for bank holding companies on the FDIC website.
Balance Sheet (amounts in thousands)
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
$ 28,704
$ 24,609
$ 33,217
6,000
0
0
Securities
215,113
202,281
184,357
Net loans & leases
571,339
577,402
515,148
18,004
16,970
15,574
55
313
346
Goodwill and other intangibles
17,172
16,906
14,456
All other assets
25,172
23,826
22,585
881,536
$862,307
$785,683
755,120
$746,574
$ 682,993
5,046
4,266
2,698
10,052
6,136
0
6,306
6,466
6,222
776,524
763,442
691,913
59
60
60
Surplus
10,697
10,697
10,697
Undivided profits
94,256
88,108
83,013
Total Equity Capital
105,012
98,865
93,770
Total Liabilities and Capital
881,536
$862,307
$785,683
ASSETS Cash and due from depository institutions Federal Funds Sold
Bank premises and fixed assets Other real estate owned
Total Assets
LIABILITIES AND CAPITAL Total deposits Federal funds purchased & repurchase agreements Other borrowed funds All other liabilities Total Liabilities
Common stock
Board of Directors Cara W. Fuller
John D. Stavnes
Muscatine, IA Vice President, Human Resources, UnityPoint Health – Trinity
Bettendorf, IA Managing Director INTEGRUS Consulting, LLC
Warren W. Heidbreder
Daniel P. Stein
Muscatine, IA Retired Financial Executive
Muscatine, IA Chairman of the Board Private Investor
Gregory J. Kistler Muscatine, IA President & CEO – Central Bancshares, Inc.
William M. Parks Muscatine, IA Private Investor/Retired Physician
Philip L. Ropp Kalona, IA Owner – Farmer Supply Sales, Inc., City Tractor, and CT Partners, LLC
James P. Stein Muscatine, IA Chairman Emeritus Private Investor/Retired Veterinarian
Timothy J. Stein Lakeway, TX Veterinarian/Head of Medical Oncology for Private Veterinary Referral and Specialty Practice
Charles C. Swanson Coralville, IA Executive Director – Hancher Auditorium
Central Bancshares, Inc.
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Executive Management Team Gregory J. Kistler
Mr. Kistler has been associated with Central Bancshares, Inc. since the company’s acquisition of F&M Bank in March of President and CEO, Central Bancshares, Inc. 2002. He currently serves as President and CEO of Central Bancshares, and as Chairman of the subsidiary banks. He was previously President and CEO of both F&M Bank and Central State Bank, now CBI Bank & Trust, and has been in the banking industry for over 30 years. Mr. Kistler holds an MBA degree from the University of Iowa, and is a graduate of Western Illinois University. He has been involved in numerous community and industry organizations, including current or past board positions with the Illinois Bankers Association, the Iowa Bankers Association, SHAZAM Network, Muscatine Health Support Foundation, United Way of Muscatine, Greater Muscatine Chamber of Commerce, and the Galesburg Regional Economic Development Association.
Robert J. Howard
Mr. Howard joined CBI Bank & Trust in 2012. He previously worked for Wells Fargo a total of 23 years, most recently as a President and CEO, Senior Vice President managing Southeast Wisconsin/Greater CBI Bank & Trust Milwaukee. Prior to that he held positions including President in La Crosse, WI, and Senior Vice President of Commercial Real Estate for Iowa/Illinois based in the Quad Cities, along with a variety of other lending and managerial roles. He holds a degree in Economics and Business Administration from Knox College in Galesburg, IL. Mr. Howard’s community involvement includes board positions with the United Way of Muscatine, Greater Muscatine Chamber of Commerce, Junior Achievement of the Heartland, and Crossroads Foundation.
Douglas L. Sanders
Mr. Sanders has served as President and CEO of F&M Bank since 2008. Prior to that, he held positions as Senior Vice President and CEO, President and Retail Banking Manager and Executive Vice F&M Bank President/Senior Loan Officer. Mr. Sanders was previously President and CEO of Wells Fargo Bank, Morrison, IL. He holds a Bachelor’s Degree in Business Administration from St. Ambrose University. Mr. Sanders’ community involvement includes board and officer positions with the Knox County Area Partnership for Economic Development, National Railroad Hall of Fame, Knox Galesburg Symphony and Soangetaha Country Club. Mr. Sanders is a past board member of the Illinois Bankers Association, Galesburg Economic Development Association, YMCA, Galesburg Downtown Council, and Discovery Depot.
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Central Bancshares, Inc.
Executive Management Team, continued Michael E. Johnson
Mr. Johnson joined Central Bancshares, Inc. in 2011 as Director of Internal Controls. He was previously a Vice President at Two Senior Vice President Rivers Bank & Trust, Burlington, Iowa and a Bank Examiner for and Chief Risk Officer, Central Bancshares, Inc. the Iowa Division of Banking. He holds a Bachelor of Business Administration degree from Iowa State University and the professional designation of Certified Regulatory Compliance Manager. Mr. Johnson served as a board member and board president of Hope Haven Area Development Center, Burlington, Iowa and as a board member of the Burlington Area YMCA. His community involvement also includes Junior Achievement, the Boy Scouts of America and the Burlington Swim Club.
Daniel F. Uphoff
Mr. Uphoff was past President of Freedom Security Bank from 2008 to 2013. He is a Certified Public Accountant and began Senior Vice President and Chief Credit Officer, his career with KPMG Peat Marwick. After working as a bank Central Bancshares, Inc. examiner for the Iowa Division of Banking, he served with First of America Bank and Norwest Bank in credit administration and business banking. Mr. Uphoff continued in a senior lender role with Marquette Bank covering Clinton, Iowa and Fulton and Morrison, Illinois. As Vice President, Commercial Services Manager for University of Iowa Community Credit Union, he was responsible for the commercial loan portfolio. Mr. Uphoff holds a Masters of Business Administration degree from the University of Iowa. He previously served as a board member for the Clinton Area Development Corporation and Gateway United Way. He currently serves on the Board of Trustees of Junior Achievement of Eastern Iowa and is Treasurer of Iowa City Area Crime Stoppers.
Patrick J. Hunt
Mr. Hunt is a Certified Public Accountant and a veteran of the financial services industry. He began his career as a bank Senior Vice President examiner with the Office of Thrift Supervision and later served and CFO, Central Bancshares, Inc. with several financial institutions in the Chicago area. Most recently, Mr. Hunt was Executive Vice President and Chief Financial Officer for Standard Bank and Trust Company, Hickory Hills, Illinois. Mr. Hunt holds an MBA degree from DePaul University, Chicago, and is a graduate of the University of Illinois at Chicago. He is a past trustee for the Palos Heights Library and an active volunteer in youth sports programs.
Central Bancshares, Inc.
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Management Team
Board of Directors
Robert J. Howard
Art L. Floss
James J. Cuddeback
Robert J. Howard
President and Chief Executive Officer
Johnson County Market President Mortgage Lending Manager
Washington, IA Owner – Cuddeback Farms
Muscatine, IA President & CEO – CBI Bank & Trust
Rayne A. Krambeer Senior Vice President, Senior Loan Officer
Jonathan D. Holthe Senior Vice President, Senior Trust Officer
Ryan C. Cox Vice President, Agricultural Banking
Nancy J. Etnier Vice President, Human Resources Director
Brandon Long
C. E. ‘Gene’ Driscoll
Washington County Market President
Washington, IA Retired Furniture/Flooring Business Owner
Tracy J. McGinnis
Todd J. Helle
Senior Vice President, Retail Banking Manager
Jon R. Moravec
Tiffin, IA Treasurer, Partner & Tax Director – Terry, Lockridge & Dunn
Vice President, Marketing
Brenda S. Herington
Patrick Van Nevel Davenport Market President
Kalona, IA Owner – Kalona Antique Company and Country Collectibles Co-Owner – Woodin’ Wheel
Gregory J. Kistler Muscatine, IA President & CEO – Central Bancshares, Inc.
Carlin C. Lawhead Muscatine, IA Dentist
Salvatore L. LoBianco Muscatine, IA General Manager Muscatine Power & Water
William M. Parks Muscatine, IA Private Investor/ Retired Physician
F&M Bank Management Team
Board of Directors
Douglas L. Sanders
Thomas J. Dunker
Steve Gerstenberger
George Peterson
President and Chief Executive Officer
Vice President, Senior Wealth Advisor
Galesburg, IL Owner – Office Specialists
J. Michael Holloway
Christine Shultz
Carol Kirkenmeier
Galesburg, IL Retired, HinchliffPearson-West, Inc.
Senior Vice President and Senior Loan Officer
Vice President, Retail Banking Manager
Jonathan D. Holthe
Rhonda J. Houzenga
Galesburg, IL Owner/Operator – McDonald’s Restaurants
Senior Vice President, Senior Trust Officer
Vice President, Marketing and Public Relations
Thomas D. Schlink Peoria Market President
Diana S. Whitson
Patricia L. Colwell
Vice President, Human Resources and Executive Administration
Vice President, Cashier and Client Services Manager
Gregory J. Kistler Muscatine, IA President & CEO – Central Bancshares, Inc.
Mark Kleine Galesburg, IL Owner – Kleine Companies, LLC
William M. Parks Muscatine, IA Private Investor/ Retired Physician
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Central Bancshares, Inc.
John Pritchard Galesburg, IL President, Galesburg Broadcasting Company/ City of Galesburg Mayor
Douglas L. Sanders Galesburg, IL President & CEO – F&M Bank
Daniel P. Stein Muscatine, IA Private Investor
Market Area Our primary trade area is comprised of Johnson, Muscatine, Scott and Washington Counties in eastern Iowa, Mercer, Rock Island, Knox and Peoria Counties in west-central Illinois, and the surrounding geographic areas. Our heaviest concentration of customers is located in and around the communities where we have physical banking centers: Coralville, Davenport, Kalona, Muscatine, Washington and Wilton in Iowa, and Brimfield, Buffalo Prairie, Galesburg and Peoria in Illinois.
Iowa
Illinois Coralville Kalona Wilton Washington
Muscatine
Davenport Buffalo Prairie Brimfield Galesburg Peoria
Banking Locations Illinois
Iowa
Brimfield Office
Coralville Banking Center
F&M Bank 123 East Knoxville Street, Brimfield, Illinois 309) 446-3344
CBI Bank & Trust 140 Holiday Road, Coralville, Iowa (319) 688-9005
Buffalo Prairie Banking Center
Davenport Banking Center
CBI Bank & Trust 20228 183rd Avenue W, Buffalo Prairie, Illinois (309) 537-3176
CBI Bank & Trust 101 West Second Street — Suite 100 , Davenport, Iowa (563) 322-9900
Galesburg • Main Office
Kalona Banking Center
F&M Bank 21 East Main Street, Galesburg, Illinois (309) 343-7141
CBI Bank & Trust 402 Avenue B, Kalona, Iowa (319) 656-2265
Galesburg • Henderson Street Office
Muscatine • Downtown Banking Center
F&M Bank 1230 North Henderson Street, Galesburg, Illinois (309) 344-3700
CBI Bank & Trust 301 Iowa Avenue, Muscatine, Iowa (563) 263-3131
Galesburg • Seminary Square Banking Center– Coming Soon
Muscatine • Park Avenue Banking Center
F&M Bank 216 Veteran’s Drive, Galesburg, Illinois (309) 344-3232
Peoria Office F&M Bank 4900 North Glen Park Place - Suite A, Peoria, Illinois (309) 683-2881
CBI Bank & Trust 1521 Park Avenue, Muscatine, Iowa (563) 263-3144
Muscatine • Hy-Vee Super Bank CBI Bank & Trust Located Inside Muscatine’s Hy-Vee Supermarket (563) 263-3169
Washington Banking Center CBI Bank & Trust 1060 West Monroe, Washington, Iowa (319) 653-2265
Wilton Banking Center CBI Bank & Trust 710 West 5th Street, Wilton, Iowa (563) 732-5131
Central Bancshares, Inc.
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Banking Centers
Muscatine Downtown
Galesburg Downtown
Brimfield
Coralville
Buffalo Prairie
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Central Bancshares, Inc.
Davenport
Galesburg – Seminary Square (Coming Soon)
Muscatine Park Avenue
Galesburg Henderson Street
Peoria
Kalona
Washington
Muscatine HyVee
Wilton Central Bancshares, Inc.
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Your Banking Experience Our first job is to understand and serve our customers. They are central to everything we do. We accomplish this by offering competitive products and services, quality advice and outstanding service. If we do that, good things will happen for not only our customers, but also for our communities, employees and shareholders. We believe in independent community banking. The concepts of local management and decisions, meaningful local input, empowered and engaged employees, and dedicated local resources, all aligned to help our customers and the communities we serve to grow and prosper. It sets us apart––and above––a financial services landscape that far too often is characterized by large, impersonal nationwide institutions. Finally, whether you’re looking for a checking or savings account, investment or trust advice, fulfilling the dream of home ownership, or growing your business or farm operation, we’re confident that we will be able to help you. We exist to help you save time and money, improve your financial well-being and have peace of mind regarding your banking relationship. Our goal every day is to continue to earn your business and your trust.
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PERSONAL BANKING
BUSINESS BANKING
● Checking
● Checking
● Trust Services
● Savings
● Savings
● Investment Services
● Online & Mobile Banking
● Business Online Banking
● Kids Club
● Treasury Management
● Ambassador Club
● Remote Deposit
● Personal Loans
● Commercial Loans
● Mortgage Loans
● Agricultural Loans
● Credit Cards
● Business Credit Cards
Central Bancshares, Inc.
WEALTH MANAGEMENT
■ Mailing and Shipping Address: Central Bancshares, Inc. 301 Iowa Avenue Muscatine, IA 52761
■ Phone: (563) 263-3131 ■ E-Mail:
General Inquiries: cindy.rusch@cbibanks.com
■ Websites:
Central Bancshares, Inc.: www.cbibanks.com CBI Bank & Trust: www.cbibt.com F&M Bank: www.thefmbank.com
■ Stock Registrar & Transfer Agent: Cindy Rusch, Corporate Secretary Central Bancshares, Inc. 301 Iowa Avenue Muscatine, IA 52761 (563) 263-3131
Member FDIC
Central Bancshares, Inc.
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Photos Front Cover: Left to right: Doug Sanders, Greg Kistler, Pat Colwell, Steve Gerstenberger, Tom Dunker, Mike Holloway Inside Front Cover Tiffany Lair, Jeff Johnson, and Alanna Brown volunteer at a Habitat for Humanity project. Jodi Burke surprises a McDonald’s customer with a “Random Act of Kindness” (bottom left) Erik Murphy (bottom right) Photographer: Jamie Sobaski Page 5 Kinley and Kaiya Steen Photographer: Jamie Sobaski Page 14 Nicole & Dean Aman, owners of First Steps Learning Center, Coralville (top) Photographer: Brenda Beckley, Orange Blossom Photography Inside Back Cover Heath and Amy Slaughter (top left) Photographer: Jamie Sobaski Alexis Edwards (top right) Photographer: Jamie Sobaski Genna Williams and Lisa Harris purchase a gentleman’s gasoline as a “Random Act of Kindness” (middle) Sobaski Family (bottom right) Photographer: Jamie Sobaski Back Cover Left to right: Chris Griess - Kirk Gross Co., Tom McIntire – Galesburg Chamber of Commerce, Dan Stein, George Peterson, Carol Kirkenmeier, John Pritchard
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Central Bancshares, Inc.