Defending yourself against all the bad actors who want to scam you and steal your personal financial information can be exhausting.
One of the tools the bank offers to help protect you is the ability to set alerts, either within our mobile app or online banking. Alerts can help give you a real time indication if someone is trying to access your account. Think of alerts like your own personal sentries who are always marching around the castle to defend you.
Think of alerts like your own personal sentries who are always marching around the castle to defend you.
QUICK TIPS
✔ Account Specific Alerts
Different alerts can be set on different account types: checking, savings, etc.
✔ Security Alerts
Choose to be notified of account lockouts, change of password, and change of email. If you didn’t make the changes, you’re alerted to the possibility of fraud.
If you give your sentries a list of things you want to know, they can report back on anything that may be suspicious or alarming. You can tailor make your alert list to your situation. Maybe you’re on your parent’s bank account because you’re concerned about the scammers who target seniors. It can be very helpful to set alerts that notify you of new account log-ins or change of password or email information.
✔ Notification Options Alerts may be set through our mobile app or online banking. You can choose to receive alerts through text, email, or push notification.
If you’re a treasurer for a non-profit organization, setting alerts can help you better protect that entity. Scammers often target these types of bank accounts
by TODD ADAMS chief executive officer
because they typically have a lower transaction volume and may not be checked as often as a personal account.
Have you seen the commercial where a small business owner’s numerous sticky note reminders morph into a monster that follows him everywhere? Life can get very hectic for business owners, farmers and ranchers. Banking alerts can help you automate some of your financial safeguarding tasks and tame the monster.
Low account balance alerts are among the most common alerts that customers set up. Notification of all transactions over a certain amount is also a popular alert.
You may not know when certain automatic payments are going to hit your account, but an alert can notify you anytime a deposit is made, whether across the counter, electronically, or through ACH.
Alerts are not a perfect fail-safe against fraud or other issues, but they are more tools in your toolbox to give you a little more peace of mind. Alert activation allows awesome attention on account activity and alleviates anxiety over unauthorized account use and fraud.
OUR PEOPLE ARE OUR MOST VALUABLE ASSET
Because the team approach is so integral to our culture here at the bank, you can bet that when one of our team members achieves something special, the rest of us are clapping and cheering as loudly as we can.
We want to congratulate our CFO Amanda Hoover. She recently received the first-ever Alice Dittman Trailblazer Award for Women in Banking, presented at the 2024 Nebraska Bankers Association Women in Banking Conference.
Congratulations also to mortgage lender Saul Nieto and SVP of commercial banking Jason Jones. Saul recently received the Colorado Mortgage Lenders Association
Emerging Young Leader Award, and Jason was named a Banker of Distinction by the Colorado Bankers Association.
We know that developing and retaining the best possible talent is one of the best ways we can serve
our customers.
Our people are our most valuable asset. We know that developing and retaining the best possible talent is one of the best ways we can serve our customers.
In addition to celebrating whenever
AMANDA HOOVER
chief
financial officer
Ogallala, NE
NBA Alice Dittman Trailblazer Award for Women in Banking - 2024 (Inaugural Year)
Amanda was recognized by the Nebraska Bankers Association for the talent, passion, and dedication that she brings to the bank as well as her community and the financial services industry.
Keith County Chamber Business Professional of the Year - 2024
A founding member and treasurer of the Keith County Big Give, Amanda is also active in Ogallala Rotary Club, the Keith County Foundation Fund Advisory Committee, and the local hospital board.
by STEVE KRAUSE president
employees are recognized by outside organizations, we encourage employees to nominate each other for our in-house Mission Megastars awards. Megastars reach beyond what is expected and provide exceptional value to those around them.
As our customer, your feedback is also very important. We’d like to hear how any of our team members have impacted your banking experience at Adams Bank & Trust, either positively or negatively.
Please see page 4 of this issue for a QR code you can scan to give us your feedback and suggestions. We always appreciate hearing from you.
SAUL NIETO
mortgage banker Firestone, CO
CMLA Emerging Young Leader Award - 2024
Saul was chosen for his outstanding dedication, leadership, and active participation in the Colorado Mortgage Lenders Association.
JASON JONES
svp - commercial banking Greeley, CO
A CBA Banker of Distinction - 2025
Jason was recognized by the Colorado Bankers Association for outstanding community involvement and dedication to the banking industry.
As the bank continues to grow, we appreciate the talented employees we are able to have on our team. We want to recognize these employees who have recently celebrated milestone anniversaries.
Each quarter we will recognize employees by showing their years of service, photo, title/position, office location, and hire date.
5 YEARS
PEGGY MARTIN NORTH PLATTE | 10.16.2019 Customer Service Representative
LYLE JONES BERTHOUD | 1.7.2020 Vice President - Mortgage Banking
15 YEARS
SCOTT PETERSON GREELEY | 10.24.2019 President - Consumer Banking
WANDA ZIMMERMAN GREELEY | 12.7.2009 Vice President - Retail Banking MILES COLSON IMPERIAL | 10.5.1999 Senior Vice President - Ag Banking
30 YEARS DEB BANG REMOTE | 1.9.1995 Mortgage Operations Manager
CASH
BANK & TRUST BALANCE SHEET AS OF SEPTEMBER 30, 2024
Cash in our vault, plus cash on demand from other banks where funds are deposited. $ 149,167,055
GOVERNMENT AND AGENCY BONDS
Marketable investments in bonds and other securities of the U.S. Government and its agencies. 384,697,497 FEDERAL FUNDS SOLD
Funds loaned to other banks for daily cash needs and payable on demand. 0 LOANS AND LEASES
Total of all money loaned to customers for all types of loans, such as agriculture, commercial and consumer. 848,332,118
BUILDINGS, FURNITURE AND FIXTURES
Book value (after depreciation) of buildings, computers, equipments, etc. 16,657,532
OTHER ASSETS
Interest on loans earned but not collected, expenses that have been prepaid, etc. 25,707,431
TOTAL ASSETS $ 1,424,561,633
DEPOSITS
Money on deposit by customers of the bank in the form of checking accounts, savings accounts, and certificates of deposit. $ 1,160,473,280
OTHER LIABILITIES
Borrowings by the bank, interest on deposits that has accrued, payable at a future date, other expenses accrued but not yet paid, deferred taxes, etc. 82,072,479
CAPITAL
Par value of the investment of the stockholders for the purchase of stock. 41,000,000
SURPLUS
Additional money contributed by stockholders to provide extra financial strength. 17,000,000
UNDIVIDED PROFITS AND RESERVES
Bank earnings left in the bank to provide added strength to meet possible future losses on loans and to replace buildings and equipment as they wear out.
TOTAL CAPITAL ACCOUNTS
Total capital available for the safe operation of Adams Bank & Trust.
124,015,874
182,015,874
TOTAL LIABILITIES AND CAPITAL ASSETS $ 1,424,561,633
RAYMOND JAMES FINANCIAL SERVICES, INC. MEMBER FINRA/SIPC
HOLDING A FAMILY HUDDLE
As you grow older, you know it’s important to talk with your adult children about your financial plans and desires for the future, but when is a good time to have that conversation?
Many families take advantage of times when everyone is gathered together to hold a family huddle.
Whether it be a holiday or family celebration, many families take advantage of times when everyone is gathered together to hold a family huddle.
This meeting is just a good opportunity to talk through life plans in general and make sure everyone is on the same page about your and your spouse’s wishes, needs, and concerns.
What do your children need to know?
The location of your important documents is a good place to start.
Where do they find the paperwork they’ll need to handle your arrangements once it becomes necessary?
It’s good to refresh your family’s memory on the names and contact information for your planning professionals, like your lawyer, accountant, and financial advisor.
Communicating your plans now for the distribution of your wealth after your death prevents surprises later, and it may help avoid ill feeling or strife among your family members.
Sometimes families are left with no direction for a
by JACOB HOVENDICK rjfs branch manager
funeral or memorial service when someone passes away.
A family meeting is an opportunity for you to articulate your wishes, such as whether you would prefer burial or cremation, and any special details you would like for your service. Tell them about any pre-planning arrangements you’ve made.
You can begin by saying something simple like, “We just feel it’s important to help you kids understand where we’re at, what planning we’ve done to this point, and what our wishes are.”
What is a good way to frame the conversation?
This doesn’t have to be a weighty or stressful meeting. You can begin by saying something simple, like, “We just feel it’s important to help you kids understand where we’re at, what planning we’ve done to this point, and what our wishes are.”
By communicating openly, you can navigate these sensitive topics in a relaxed and positive way.
Why do people sometimes delay having these discussions?
Acknowledging our own mortality can be difficult to talk about. We don’t want to think about our end. We’d rather think about the vibrance of life. But that’s unfortunate. The truth is, we’re all going to pass away. It’s important
Adams Bank & Trust is not a registered broker/dealer, and is independent of Raymond James Financial Services. Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC, are not insured by bank insurance, the FDIC or other government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal. Investment Advisory Services offered through Raymond James Financial Services Advisors, Inc.
to be able to talk about these things, so our loved ones are more prepared.
People may avoid talking about these topics because they’re afraid they may not have all the answers, or they’re concerned about creating conflict.
If your children ask questions and you don’t know how to respond, you can always reach out to your advisors for more guidance. You may even consider pre-planning the conversation with your advisor or having your advisor moderate the family huddle to help with the unknown or the anxiety.
You have the opportunity to approach this proactively, rather than your family having to handle things reactively down the road. After all, you just want this process to be as easy as possible for them when the time comes.
Because situations and needs change as time goes on, this shouldn’t be a “one and done” conversation.
Because situations and needs change as time goes on, this shouldn’t be a “one and done” conversation. It doesn’t have to happen every year but be sure to communicate when anything in your plan changes.
What are the opportunities of the family huddle?
You may end up teaching the next generation some valuable lessons through this process. Younger adults need to think about things like wills and powers of attorney, too. The way you approach your financial planning and end-of-life decisions can be a valuable legacy. It’s also an opportunity to highlight your values and priorities. Your family can see what philanthropies you support and why.
The beginning of a new year shines a light on the many blessings we have to be thankful for. Those blessings are precious and something we are all called to be good stewards of, no matter how big or small the blessings may seem.
The beginning of a new year shines
a light on the many blessings we have to be thankful for. Those blessings are precious and something we are all called to be good stewards of, no matter how big or small the blessings may seem.
As someone who understands the value of family and is very thankful for that blessing, I’d like to take a moment to wish you all a very happy and healthy New Year.
Opinions expressed are those of the author and are subject to change. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. This information is not intended as a solicitation. The material is general in nature. Investing involves risk; investors may incur a profit or loss regardless of the strategy or strategies employed. There is no assurance that any investment strategy will ultimately meet its objectives. Past performance may not be indicative of future results. Asset allocation and diversification do not guarantee a profit nor protect against a loss. Working with a financial professional does not ensure a favorable outcome.
For assistance in reviewing or creating your investment plan, please call any Adams Bank & Trust office or call toll free at 800.422.3488 for an appointment with a Raymond James Investment Representative.
Jacob Hovendick , RJFS Financial Advisor and Branch Manager
