LAKEELMOBANK.COM the traditional...Lake Elmo Bank Warms the Holidays for Many Holiday Hope Program...
8
Our Commitment to You...Always. We survived the Polar Vortex! Spring brings us more daylight, more excitement, outdoor spaces to enjoy, and a homecoming for many of our snowbird friends. We see people re-energized and ready to get outside to start new projects, open up the cabin, or plan that summer vacation they have been dreaming about. There are graduations, celebrations and optimism is in the air. Whatever your plans are for the months ahead, remember that your friends at Lake Elmo Bank are here to meet your financial needs. We take our commitment to you seriously. Our customers are always at the center of our decisions. Over our 100+ years, we have made it a priority and a tradition to treat all customers respectfully and fairly. We understand that the financial needs of both individuals and businesses can be cyclical. Whether you are starting a family, a career, or planning for retirement, we would love to help you through the process. Likewise, a business may be in a growth stage, or may be established and contemplating its next moves. The financial products that our customers need may be different, but our commitment is the same. This commitment does not vary depending on your account balances or lending needs. We are dedicated to providing you top notch service and products. We help you clearly understand all of your accounts and their disclosures. We are here to help, not sell you something you don’t need. Our greatest reward is a long and lasting customer relationship. Welcome to spring! Dan Raleigh President / CEO SPRING 2019 the traditional Feed the Community Lake Elmo Bank is collecting food for our local food shelf during March. Help us win our friendly competition with First State Bank & Trust – donate food or money at any of our three locations and receive a FREE reusable tote while supplies last. All donations given to Valley Outreach Food Shelf.
Transcript of LAKEELMOBANK.COM the traditional...Lake Elmo Bank Warms the Holidays for Many Holiday Hope Program...
1
LAKEELMOBANK.COM
Our Commitment to You...Always.We survived the Polar Vortex! Spring brings us more daylight, more excitement, outdoor spaces to enjoy, and a homecoming for many of our snowbird friends. We see people re-energized and ready to get outside to start new projects, open up the cabin, or plan that summer vacation they have been dreaming about. There are graduations, celebrations and optimism is in the air.
Whatever your plans are for the months ahead, remember that your friends at Lake Elmo Bank are here to meet your financial needs. We take our commitment to you seriously. Our customers are always at the center of our decisions. Over our 100+ years, we have made it a priority and a tradition to treat all customers respectfully and fairly. We understand that the financial needs of both individuals and businesses can be cyclical. Whether you are starting a family, a career, or planning for retirement, we would love to help you through the process. Likewise, a business may be in a growth stage, or may be established and contemplating its next moves. The financial products that our customers need may be different, but our commitment is the same.
This commitment does not vary depending on your account balances or lending needs. We are dedicated to providing you top notch service and products. We help you clearly understand all of your accounts and their disclosures. We are here to help, not sell you something you don’t need. Our greatest reward is a long and lasting customer relationship.
Welcome to spring!
Dan Raleigh President / CEO
SPRING 2019
the traditional
Feed the CommunityLake Elmo Bank is collecting food for our local food shelf during March.
Help us win our friendly competition with First State Bank & Trust – donate food or money at any of our three locations and receive a FREE reusable tote while supplies last.
All donations given to Valley Outreach Food Shelf.
2
the traditionalSPRING 2019
Santa Was Here! Little Elmo anxiously greeted Santa, along with the many Little Elmo Savers Clubsm members. Thanks to all who came out!
Having Fun – Ugly Sweater Day Employees proudly wore their holiday spirit by breaking out their fun, but not-so-attractive holiday sweaters.
Front Row: Nickie Johnson, Ana Reardon, Sheila Wulfing, Kris Young Back Row: Pam Johnson, Olivia Alvarado, Stacy Gilsdorf, Bryan Kemnetz, Barney Patterson, Steve Madsen, Jacob Olson
Community Commitment...Lake Elmo Bank Warms the Holidays for ManyHoliday Hope Program Lake Elmo Bank employees generously sponsored a family in our community. They purchased and wrapped gifts for each family member, provided holiday decorations and Christmas dinner.
Mittens and More A huge thank you to all who donated hats, mittens, scarves and warm coats and snowpants in our Warm the Holidays outreach program. More than 240 warm items were collected and donated to Valley Outreach.
Stuff the Stocking LEB employees and customers donated over $750 in gift cards to Community Thread’s Holiday Hope Program. Gift cards were used for local seniors and teens during the holidays.
It’s A Wrap Our LEB team of wrappers visited our Arbor Glen neighbors and helped wrap Christmas gifts.
Pictured: LEB Employees - Jodi Strand Hauser, Marilyn Weiler - Arbor Glen Resident, Pam Vanderhoff and Jailene Roche
3
LAKEELMOBANK.COM
Dress Red – Heart Awareness LEB employees participated in “Wear Red” Day – raising heart health awareness.
Front Row: Jenni Blank, Sherry Hellige, Ana Reardon, Julie GroessBack Row: Cheryl Engstrom, Jesse Hedinger, Stacy Gilsdorf, Bryan Kemnetz, Adam Belisle, Pam Richert, Mike Mazzara, Sheila Wulfing, Jacob Olson
Polar Plunge – Special Olympics Our LEB Team of Jumpers took the brisk
plunge in the Woodbury Polar Plunge while raising more than $3,500 for Special
Olympics.
Pictured: Steve Madsen*, Luke Ledoux, Stacy Gilsdorf*, Kenny Gilsdorf, Jesse Hedinger*, Taylor
Hoffmann, Jacob Olson*, Hannah Anderson *LEB employees
Valentine’s Day Volunteers A handful of LEB employees treated their spouses to an evening of volunteering at Valley Outreach. The group sorted clothes.
Pictured: Mike Mazzara, Dick and LaRae Plummer, Becky Mazzara, Renae and Mark Pominville
4
the traditionalSPRING 2019
Shred-It Day
Saturday, April 21 9:00am - 12:00pm
Lake Elmo Office Parking Lot
For your convenience, we are offering a FREE Shred-It Day.
Please limit two bags per customer. Please no boxes.
651.777.8365 Your Community Bank Since 1911
Member FDIC lakeelmobank.com
Stillwater ∙ Lake Elmo ∙ Oakdale
Shred-It DaySaturday, April 27 9:00am - 12:00pm
Lake Elmo Office Parking Lot
Limit of two bags per customer. No boxes.
Most Valuable LEB ProductOnline Banking – I use it almost every day.
Most Valuable LEB Service?Our Trust & Estate Services. However, LEB offers a full range of banking services for all stages of life.
Favorite Part of Your Work DayInteracting with our customers. I also enjoy collaborating with my co-worker to find a “best approach” when something unusual arises.
Family & Personal InterestsMy husband Tom and I live in Lake Elmo. We have three children – Thomas, McKenzie and Ryan. I volunteer as an executive board member at Oak Meadows Senior Living and serve as President-Elect of the Lake Elmo Rotary Club. My family enjoys traveling, holiday celebrations and Sunday football.
Why LEB?Our employees truly provide personal service second to none.
One Word to Describe LEBFriendly.
Rita Shepard
Trust OfficerLake Elmo Bank Since 2007
Our Employees. . . Our Foundation
Our employees are the Bank’s most valuable asset
Where Are You?To ensure uninterrupted service on you LEB Debit Card, be sure to let us know when you will be traveling.
Simply email us at [email protected] or call us at 651.777.8365.
Seminar: Turning 70½?Please join us for an informative discussion regarding Required Minimum Distributions (RMD) on your IRAs, 401(k) or 403(b) plans. The information we will share may save you from a 50% IRS penalty.
Tuesday, May 14 10:00am – 11:00am Lake Elmo Office Community Room Seating is limited.
Please RSVP by May 3 with Julie at 651.773.4730 or [email protected]
4
5
LAKEELMOBANK.COM
SEMINAR: Using Your Mobile Device for BankingInterested in using your mobile device for banking, but not sure how? Signed up for mobile banking but not using it? Learn how to transfer money, pay bills, view transactions and make deposits all from your mobile device. This workshop is for you.
Bring your phone or tablet and our staff will get you set-up and using our LEB mobile banking tools. We will also provide tips for using your phone to make in-person or online purchases.
May 7, Tuesday Lake Elmo Office Community Room 10:00 – 11:30am or 6:00 – 7:30pm
Space is limited – sign-up today for one of the sessions with Julie at 651.773.4730 or [email protected].
Community Celebration!Join us as we celebrate the
20th anniversary of our Oakdale Office.
June 18, Tuesday
LEB Oakdale OfficeSave the Date – More Details to Follow
Tips When Setting Up Automatic PaymentsWhen setting up an automatic payment with a business to either credit or debit your bank account at Lake Elmo Bank, be sure to provide the following information:
• Full Name
• Lake Elmo Bank Routing Number: 091910196
• Full account number
• Indicate if it is a checking or savings account
By providing the business with all the information listed above, you will ensure your payments and deposits post to your account.
The information listed above is also needed by your tax preparer. Visit our ID Theft Page at lakeelmobank.com for additional tax season tips. Please contact us at 651.777.8365 with questions.
LEB e-banking Group Heather Munson, Kris Young, Angela Swanson
6
the traditionalSPRING 2019
Our Focus – RelationshipsWe are committed to our tradition of service. Unlike other businesses who focus on transactions, we focus on relationships. Our mission is to partner with you in your financial journey. We aren’t in the business of selling the flavor of the month. Instead we are here to listen to your needs and offer products and services to help you reach your financial goals.
We have a variety of staff available at our Stillwater Office to assist you with all of your banking needs. Lake Elmo Bank – Stillwater Office
Stillwater Office Managers NamedLake Elmo Bank is pleased to announce Ryan Benson will now assume the role of Branch Manager and Renae Pominville as Assistant Branch Manager at our Stillwater location.
“With the continued growth in our Stillwater market and the combined experience of Ryan and Renae, it seems like a good fit to have them take the lead in this office,” says Dan Raleigh – President/CEO.
Currently Vice President – Commercial Lending, Ryan has been working in the LEB Stillwater Office since 2016. A community banker for more than 22 years, Benson has extensive experience in a variety of banking areas including office management.
“LEB understands the importance of small businesses in a vibrant community,” says Benson. “I am happy to not only continue working with small businesses, but to take on a greater role in managing the overall office.”
Renae joined Lake Elmo Bank in 2006 when the Stillwater Office opened their doors. Renae is a Personal Banking Officer and brings with her many years of retail banking experience in the community.
Ryan Benson Vice President Commercial Lending
Renae Pominville Personal Banking Officer
Kris Young – Electronic Banking OfficerRenae Pominville – Personal Banking Officer
Ryan Benson – Commercial LenderLydia Benson – Personal Banker
Patty Swanson – Mortgage Loan Officer
NMLSR IDs 786780, 1579223, 446748
6
7
LAKEELMOBANK.COM
House Plans?
Lake Elmo Bank has been providing home, lot and construction financing for more than 108 years. Our tradition of service combined with our knowledgeable staff makes our Mortgage Loan Program a nice fit for any home financing needs.
We are committed to providing you with a product that meets your needs. You can expect the timely turnaround and personal service many have grown to rely on from Lake Elmo Bank.
• Construction Loans• Fixed-Rate Mortgages• Non-Conforming Loan Options• Swing Loans• Home Equity Loans• Lot Financing
Let our dedicated team of lenders help you.
Call today at 651.777.8365.
Jesse Hedinger, Leah Mackie, Patty Swanson, Marie Nelson NMLSR IDs 1205261, 695794, 446743, 451700
Preparing for Your MortgageApplying for a mortgage can often be intimidating and overwhelming. In an ideal situation, our Mortgage Lenders would like to meet with prospective home buyers 3-6 months before making a purchase. We can explain the process and begin to help you prepare.
There are a few items you can do to get yourself “mortgage-ready”:
1. Review Your Credit Report/Score. There are many free options for pulling your credit report. We recommend visiting www.ftc.gov. Be sure the information is accurate. If you see any late payments or collection accounts you were unaware of - now is the time to get this “cleaned” up.
2. Know the Amount of Your Down Payment. These funds need to be available at the time of application. If there are gift funds anticipated, it is a good idea to discuss this with those gifting.
3. Don’t Make an Employment Change. Switching jobs may affect your qualification process.
4. Don’t Open or Close Credit Cards / Lines. This may impact your credit score during the qualification process.
5. Steady on the Credit. Avoid late payments or purchasing a big ticket item. Don’t max out credit cards. Do not co-sign for a loan.
6. Avoid Making Large Deposits. Other than payroll, large deposits need to have the source documented by the lender.
7
8
the traditionalSPRING 2019
11465 39th Street NorthPost Office Box 857 Lake Elmo, MN 55042-0857
member fdic
member fdic
BUSINESS HOURS LobbyMonday Through Friday 9:00 a.m. – 5:00 p.m.Saturday 9:00 a.m. – 12:00 p.m.
Drive ThruMonday Through Friday 7:00 a.m. – 6:00 p.m.Saturday 9:00 a.m. – 12:00 p.m.
Walk-Up LAKE ELMO OFFICE ONLY
Monday Through Friday 7:00 a.m. – 9:00 a.m. 5:00 p.m. – 6:00 p.m.
Lake Elmo Office651.777.8365
Stillwater Office651.439.7680
Oakdale Office651.578.7769
Customer Service651.773.4700
LEB TeleBank Line651.773.4711
PHONE NUMBERS
lakeelmobank.com
STAFF CHANGESOlivia Alvarado Operations Support Assistant
Lydia Benson Personal Banker
Shawn Lohmann Assistant Trust Officer
SERVICE ANNIVERSARIESAnessa Triviski 5 years
STAFF ADDITIONSSam Jorgensen Commercial Lending Assistant
CONNECT WITH US!
Standard
U.S. Postage
PAID
Twin Cities, MN
Permit # 7732
Hey Kids…April is “Teach Kids to Save” Month.Little Elmo invites all kids to make a deposit into their Little Elmo Savers Clubsm account during April and receive a NEW Little Elmo Ceramic Piggy Bank.
Limit one per customer. Promotion ends 4.30.19
