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The State of Nebraska recently published its largest study to date of nitrates in drinking water. Nebraska's Department of Environment and Energy found that areas along the eastern and central portions of the Elkhorn and Platte River valleys had the highest concentration of nitrates in its water, as well as along the southwestern Kansas-Nebraska border.
In this first episode of 2025, we're joined by Cody Butler to kick off the new year. Cody shares the story of his incredible 207-inch Kansas buck, talks about his experience transitioning to traditional archery, and dives into how he's been managing and hunting land along the Kansas-Nebraska border. We also discuss Henry's game-changing Supreme lever-action rifle and how it's shaking up the world of hunting firearms. Check out our socials: https://www.instagram.com/thefairchase/ https://www.facebook.com/fairchaseofficial/ https://www.linkedin.com/company/thefairchase/ https://x.com/TheFairChase1 SAVE 30% on TUO Gear! Promo code: TFC30 https://bit.ly/40yj1gL
Come sempre in Oklahoma? Ebbene sì, fermiamoci per ancora un altro episodio in questo meraviglioso e complicato stato proprio al centro degli Stati Uniti, attraversato dalla Route66 dal suo angolo nordorientale alla metà del suo confine occidentale. Siamo in pieno Indian Territory, che un tempo includeva anche Kansas Nebraska e parte dell'Iowa. Ad oggi 39 tribù native vivono in Oklahoma divise in Nazioni Indiane..una di queste è la Muscogee Nation che esploreremo attraverso i personaggi e i luoghi della pluripremiata serie tv Reservation Dogs (che puoi vedere in Italia su Disney+). Buon Ascolto! Seguimi anche sui socials e viaggia con me: https://www.instagram.com/eliist/ https://www.youtube.com/@Eliist_/videos https://tr.ee/Zu5oMQZ-ps LICENZA SIAE NUMERO: 202400000165
We go through every team in the Big Ten and their week 2 results, including Power Rankings, Playoff Picks, and some thoughts about the conference as a whole. Make sure to like and subscribe, leave a review or comment, and make sure to drop a line at bigtenfootballtalk@gmail.com --- Support this podcast: https://podcasters.spotify.com/pod/show/bigtenfootballtalk/support
We go through every team in the Big Ten and their week 2 results, including Power Rankings, Playoff Picks, and some thoughts about the conference as a whole. Make sure to like and subscribe, leave a review or comment, and make sure to drop a line at bigtenfootballtalk@gmail.com --- Support this podcast: https://podcasters.spotify.com/pod/show/bigtenfootballtalk/support
Let get our bracketology on!
The BTR Show previews the Week 2 slate of games in the Big Ten Conference. - Fun non-conference match-ups - Ohio State's quarterback competition - Illinois at Kansas - Nebraska at Colorado - Iowa at Iowa State - Wisconsin at Washington State - PLUS, Picks Sure To Go Wrong!! Twitter / X: BTRshowPod
Stamp Show Here Today - Postage stamp news, collecting and information
Welcome to episode #402 - Expertizing Overprints including Kansas Nebraska and Shanghai overprints
-Self's Kansas Jayhawks just won their 17th conference title in his 20 years of being in the Big 12—just absolutely stunning dominance. When Nebraska fired Danny Nee in 2000, Self was the target—out of Tulsa—and he turned them down to stay there, before a short tenure at Illinois led to the long tenure at Kansas -Nebraska had a bad season in 2000, but they were an overall pretty solid program in the 90s, so it's feasible to understand interest from Self…instead, it's been mired in worse than mediocrity for years. -A trip to Tub's Pub might be coming soon! Show sponsored by GANA TRUCKINGAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Angela explains how to create the Rice stitch while her and Nicole continue on their spooky road trip to visit more haunted roads/bridges/paths. This episode features Iowa, Missouri, Arkansas, Louisiana, Texas, Oklahoma, Kansas & Nebraska. Movie review: Children of the Corn (1984). YouTube Channel for Demos Website: https://theominousstitch.podbean.com/ Instagram: @theominousstitch Facebook: The Ominous Stitch Podcast page TikTok: @theominousstitchpodcast SUPPORT The Ominous Stitch Podcast & become a PATRON! Email your spooky stories so they can have a Listener Stories Episode! theominousstitch@gmail.com
We're joined by Adam Cochrun and David Van Bebber from the "TAG: You're It" podcast to talk about their involvement in the fight against abortion in the SBC and MBC.Our website: https://abolishabortionmo.org/TAG You're It website: https://tagyoureitministries.org/Episode Guide:6:00 Adam's involvement in the SBC and MBC9:25 - Explanation of how resolutions in the MBC work and some positive shifts in the SBC20:50 - How language impacts abolitionism23:30 - Should we feel positive about these shifts in SBC and MBC35:00 - What needs to happen within the Kansas-Nebraska and Missouri Baptist conventions to further abolition40:00 - Strategy to use NAMB funds for abolitionist ministry41:50 - Strategy to use print media in Missouri for abolitionist causes
Learn about the different abolitionist movements in Jackson and about the history behind the Kansas- Nebraska act.
Ryan Johnston is the Church Planting Leader for Kansas/Nebraska for Send Network. Before leading church planting there, he was a pastor in Akron, OH. Ryan has helped over 300 churches in the last year start residencies. In this episode, Ryan talks about what a residency is, how to build one, and that it's easier than you might think!
Franklin Pierce was a Democratic congressman, party leader, Mexican-American war hero, and #1 on our list of Top 5 Drunkest Presidents. He was nominated as a compromise candidate in 1852 and, taking office in the wake of a terrible family tragedy, promised not to let slavery re-emerge as a national issue after the sectional crisis of 1850. But when Senator Stephen Douglas came calling with a plan to organize the Kansas-Nebraska territory, Pierce dove headlong into a new sectional crisis and sparked a violent prelude to the coming Civil War. Also: Our list of Top 5 Would Be Presidents looks at some of the most interesting failed presidential candidates and speculates about what might've been had they occupied the White House.
Special online-only extended report on the wheat harvest in Wichita, Kansas and Venango, Nebraska from Howard Hale with Custom Harvester Ed Johnson.
Unknown 0:04Good afternoon, everyone. It is Wednesday, June 11. And we have some phenomenal things going on in our country right now. The newest thing, which we're going to be speaking about later on in this podcast is that the plume of dust which has developed and develops every year above Africa, and pushes over into the Atlantic Ocean is currently headed into the South Florida area. Dust does inhibit thunderstorm development along with shower development. And as a result, the temperatures might actually start to get hotter in the Florida area, and eventually this dust may actually make it further into the United States if what happens last year, what happened last year happens this year. But more importantly, this dust may prevent some of those hurricanes from forming. Once the dust starts, it pretty much sticks around here until mid August. So this gives us a chance for heatwave development domes of heat to develop without any interruption whatsoever. Once they get started. Now, we do have some tropical storm potential over the next week. So let's give it another week or so before solid dome of heat will finally get set up here in the United States in the Midwest, the Great Lakes area even and parts of the East Coast. I do think we're going to be seeing a hot summer this year. And whatever we saw last week and the end of the week before is an indicator of what we're in for this summer unless hurricanes interfere but now that we have this dust coming in from the Sahara Desert, the chances are we will be I'm not sure what type of effect that's going to have on the hurricane season. But it could be that we're going to phase out of the hurricanes until mid August. And at least after next week, and if that should happen we're going to see a solid dome of heat especially considering the fact that the Upper Midwest has drought conditions going on. So the sun is very efficient heating things up. Today temperatures have gone into the hundreds in Kansas Nebraska and Denver Colorado. Highs in the low hundreds North Dakota highs in the South Dakota highs in the hundreds. Phoenix Arizona expecting a high of 116 degrees today. 118 degrees today. For tomorrow. Las Vegas, Nevada rarely gets 215 degrees Believe it or not, but 115 I think it only hit 115 27 times in the past. However many years since record keeping began. But today 115 degrees is expected temperatures reaching even hotter for tomorrow. 116. Over there Palm Springs California seems like it's one of the hottest cities 116 Today 119 degrees for tomorrow. Death Valley California going up to 126 degrees today. It's very serious heat it's there for an extended stay off in the desert southwest. Very serious stuff. Temperatures are in the 100 and teens over a large area. Temperatures are in the hundreds as well over a large area, including much of Oklahoma expecting highs in the hundreds much of Kansas and places further north than that as well. Headed over into the Midwest temperatures have already hit 97 in Missouri. Temperatures are likely going to go into the hundreds later on today in Missouri. Temperatures going up to 101 degrees in St. Louis, Missouri this upcoming Friday. triple digit heat happens every single year pretty much in St Louis, but it is not a common phenomena and especially not in the month of June. triple digit heat is not common in the month of June at all in St. Louis. Usually there's an encounter of it or two in the month of July or August. But it's rare for this to take place in June. Temperatures in the 90s are common in St. Louis but if the temperature does hit 101 That is more of a rarity. Temperatures here in the Chicago area will be going up into the mid 90s Tomorrow says Tom Skilling and low 90s On Friday, but Friday we're gonna see lower humidity and high pressure system comes out of the Canadian region for next week in temperatures cool off highs only in the 80s I think we are eventually going to see a return of that a dome of heat especially after the these tropical storms and hurricanes are put at rest. If this sand stuff does it does its trick. And then we're gonna see that heat expand from the west coast into the Midwest and the East Coast but the site get ahead of ourselves because we'll just speak about reality right now we have the Jetstream dipping down into the mid Atlantic area for these coasts bringing cooler temperatures their temperatures will remain that way for the next week. And we haveUnknown 5:01The following situation down south we'll be having some issues as a storm system which might develop into a tropical storm moves into that area shortly I wish everybodyThis transcript was generated by https://otter.ai
"We Polked you in 44, we're Pierce you in 52!"Franklin Pierce may have my favorite campaign slogan yet. But in terms of presidencies, wow, this guy is a total disaster. I mean, Millard Fillmore just nuked the only major opposition party into oblivion. Governing should be easy, right? Not when you're Pierce, who do his best to one-up Fillmore and wreck the Democratic party on the bloody shoal known as "Bleeding Kansas."Follow along as Pierce falls hilariously short in his pursuit of military glory in the Mexican-American War, gets elected president anyway when Democratic partisans can't agree on any of the more-qualified candidates, and then triggers a mini Civil War in Kansas after he passes the Kansas-Nebraska act.By the time Pierce leaves office, we'll be four years away from The Civil War.Bibliography1. Franklin Pierce – Michael F. Holt2. Millard Fillmore – Paul Finkelman3. Bosom Friends – Thomas J. Balcerski4. James Buchanan - Jean H. Baker5. Abraham Lincoln – David Herbert DonaldSupport the show (https://www.patreon.com/AbridgedPresidentialHistories)
I talk about the social and political events that led up to the secession of several slaveholding states following the election of Abraham Lincoln in 1860. I cover the Missouri Compromise, Kansas-Nebraska, Bleeding Kansas, Dred Scott, the Fugitive Slave Act (1850) and much, much more! --- Send in a voice message: https://anchor.fm/afterschoolhistory/message
Nathan and I discuss what's it like to finally own a piece of property and start managing and hunting it for early season bucks. Nathan and his twin brother (hence identical draw) bought 80 acres last year, killed a stud on it, and have multiple other giants on the property this year. We discuss their plan going into early season revolving around food sources and travel routes. Hope you all enjoy! ---- "Hunt Hard, Hunt Smart" ---- In Partnership with: https://aerohunter.us/ & https://www.onxmaps.com/hunt-app // Code: DVane10 for 10% off Aerohunter Saddles Instagram: https://www.instagram.com/deervane/ Youtube: https://www.youtube.com/deervane Facebook: https://www.facebook.com/Deervane/
There is an enhanced risk of severe thunderstorms across portions of Montana and along the Kansas/Nebraska border. Scattered to numerous severe thunderstorms are likely across portions of the northern and central Great Plains. Damaging wind gusts, and large hail remain possible. --- Support this podcast: https://anchor.fm/xtremeweather/support
Stamp Show Here Today - Postage stamp news, collecting and information
Welcome to episode #220.... There is so much history - the Kansas Nebraska act and the Kansas Nebraska overprints
The 14th President is among the most unknown, as he was when he won in a surprising election. Yet he started with great promise. Youthful, regal in manner and style, with celebrity friends, many thought his Presidency was a renewal for the country. Instead he provoked a resistance movement. His fall in the wake of the Kansas-Nebraska act reveals a lot about the Presidency in a time of scattered politics. Bruce goes through his four-year Presidency and the reasons why he's one of the few to never obtain a re-nomination from his own party. His Presidency is one of several factors setting up war. Though his administration was disastrous, there might even be an issue or two where you like him on.
We are joined by the author of Wrestling With His Angel: The Political Life of Abraham Lincoln Vol II, Sidney Blumenthal. In this cast, he talks about Lincoln in the 1850's, as he emerges as a small-time lawyer to being 'woke' by the passage of the Kansas Nebraska Bill to make a stirring speech and come to a definite conclusion about the future of the nation. In the process Sidney provides details on the passage of both the Compromise of 1850 and the Kansas-Nebraska act, and the role that Illinois Senator Stephen Douglas plays in it, Zachary Taylor's Presidency, the Whigs and Franklin Pierce.
Man! I wish I had talked to Grant a few years ago! We talk about his background a little bit, his choice of dogs and the staggering amount of Bobwhites around his area of Kansas/ Nebraska.
Stuff What You Tell Me! || Rebellion and Resistance in History, Art and Culture
The passing of the Kansas-Nebraska act in 1854 opened up a new battlefront in the United States between those for and against the institution of slavery. Senator Stephen A. Douglas, who sponsored the bill, supported the notion of popular sovereignty; that the people who lived in a certain territory could decide by themselves whether or not to allow slavery. In so doing, he began a race between rebellious free-staters and resistant pro-slavery partisans to claim Kansas as their own, which lead to an outburst of violence that history remembers as the Bleeding of Kansas. Learn more about your ad choices. Visit megaphone.fm/adchoices
Season 2, Episode 9. The passage of the Kansas-Nebraska act drove many northerners to form Anti-Nebraska coalitions that ultimately yielded the Republican Party. The election of 1856 did not yield a Republican presidential victory, but it did produce a party that, through compromise and political maneuvering, was able to emerge as the dominant new party to compete with the bitterly divided Democrats.
Stamp Show Here Today - Postage stamp news, collecting and information
Welcome to Episode #146. Today we talk about the small island of SARK which is in the Guernsey Islands of Britain. Look on a stamp of Guernsey with a map and Sark will be the small island at the bottom, just north of France. So why talk about it? Well this is the last feudal holding in the British Empire and it ended in just 2007. (Minute market 3) We also received a nice reference lot from Tony (Check his stuff on eBay at BarneysStamps) – Fake coils and Kansas Nebraska overprints – Thank you Tony (Minute marker 11) Lastly we discuss stamp shows and if we had a magic wand.
BankBosun Podcast | Banking Risk Management | Banking Executive Podcast
Hello, this is Kelly Coughlin, CEO and Program of BankBosun. Oysters open completely when the moon is full and when the crab sees one, it throws a piece of stone or seaweed into it and the oyster cannot close again so that it serves the crab for meat. Such is the fate of him, who opens his mouth too much and thereby puts himself at the mercy of the listener. Announcer: Kelly Coughlin, is CEO of BankBosun, a management consulting firm helping banks C-level offices, navigate risks, and discover reward. He’s the host of the syndicated audio podcast bankbosun.com. Kelly brings over 25 years of experience with companies like PWC, Lloyd’s Bank, and Merrill Lynch. On the podcast Kelly interviews key executives in the banking ecosystem to provide bank C-suite offices risk management, technology, and investment ideas and solutions to help them navigate risks and discovery reward. And now your host, Kelly Coughlin. Kelly Coughlin: This podcast is a continuation of a series of interviews of key executives from community and regional banks throughout the US. Community banks play a key and critical role in ensuring that a community has a healthy social and economic ecosystem. This podcast series is being produced to help celebrate and encourage community banking throughout the US. I grew up in the great state of Kansas. My great-grandfather ran a coal mine in Osage, Kansas and was one of the first employers of former slaves who moved to Kansas after emancipation. So, even though I spent most of my adult years out of Kansas, I raised my four daughters in Minnesota, I have a fondness for the state of Kansas. In addition to Business, County and Finance, I studied the classics in college; Greek and Roman history and the language the Roman’s spoke, Latin. I always had an infinity for Latin, even in high school. And, I think it might have something to do with coming from Kansas. No, we didn’t speak Latin in Kansas, but our state motto is a great Latin phrase that in my mind captures the real spirit of the Midwest and perhaps all of us living in America. Facing adversity, challenge and the opportunity that doesn’t come easy, but through hard work. The motto is: Ad astra per aspera – To the stars with adversity. I remember hearing this motto as a very young kid. This motto has always stuck with me and in many ways, has defined me. So, what does this have to do with this podcast? Well, my guest today is the CEO of a bank located in the heart of Kansas, actually about two hours from the dead center of the Country, with a Latin name that comes from the state motto. I’m taking to Kyle Campbell, CEO of Astra Bank in Abilene, Kansas. Kyle, did get all of that right? Kyle Campbell: You did, and thanks for having me. Kelly Coughlin: So, let’s talk about the bank name. Does it come from the State motto, or was that just coincidental? Kyle Campbell: Well, it does from the state motto and you’re exactly correct in the background on that. Where that came from is where our charter located, we’re actuallyabout ten miles south of the Kansas/Nebraska border. And, while there are a lot of similarities that mid-western residents share, they’re also intensely loyal to the state in which they reside. So, we knew any sort of name that was blatantly attributable to the state of Kansas may not be well-received if we ever had an expansion opportunity in Nebraska. So, we looked at the state motto, which you talked about, and thought that Astra Bank would be a great nod to being a Kansas chartered bank. But also, would not preclude us from having opportunity to go into the state of Nebraska, which turned out to be a great move because we actually had an opportunity to move into the state of Nebraska and we do have a location there. Kelly Coughlin: Excellent. Tell me a little bit more about the founders, early history, etc. Kyle Campbell: Well, the interesting part about Astra Bank is that we actually started in a community that we no longer serve. It started as Peoples State Bank in Courtland, Kansas, in north central Kansas. And the integration of my family into that, was my grandfather went to work for Peoples State Bank which was chartered in 1911. He went to work for them shortly after that and he started work in May of 1929. As a student of history, you know he picked a great time to enter banking. As he puts it, he made it in time just for the big bank holiday that happened later in 1929. That really influenced a lot of his early views on banking. What came out of that was, throughout Kansas and a lot of the country there were a lot of bank failures that happened in 1929, and one of the neighboring communities was left without a bank. But the two banks that were in Courtland, Kansas both survived the great depression and what happened in 1929. So, the city father of Scandia, Kansas, which was a community just seven miles to the east of Courtland, Kansas came over and a made a pitch to both banks trying to get one of the two of them to move over to Scandia. Well, Peoples State Bank decided they would move and they moved in 1939 to Scandia and renamed them Scandia State Bank. We’ve grown from there, through that point in time. My grandfather, over the course of the 50s, 60s and early 70s, gradually came to acquire ownership of the Scandia State Bank. My father, my grandfather’s son-in-law went to work in the bank in the 1970s and started there and is still active in our bank today. And then, we’ve grown by acquisition, we acquired a bank in Belleville, Kansas which was ten miles to the east of Scandia. And then we’ve grown by acquisitions since then and we now have locations from central Kansas, north central Kansas, all the way up into south central Nebraska and now have eight locations overall. Kelly Coughlin: And you are running the show? Kyle Campbell: I am running the show. Kelly Coughlin: So, your grandfather passed and your father is still involved? Kyle Campbell: My father is still involved and still comes in on a regular basis. One of the things that he enjoys working with, is he enjoys managing a securities portfolio, which in this rate environment, trying to find somebody who enjoys that is a challenge. So, if I’ve got somebody who’s got an interest in it and enjoys doing that, it’s a good fit for us. Kelly Coughlin: Let’s talk about your background. You grew up in the Midwest where you’re raising your family? Kyle Campbell: I was raised in Scandia, Kansas. So, I spent most of my life actually living in a house in Scandia right next to the bank, so it was a really short commute for my dad. He just essentially walked next door and was at work. I grew up and had what I call a delayed childhood rebellion. In college, I decided I was going to major in Engineering and made the statement that I was never going to work in the family bank. You can see how well that proclamation worked for me. Kelly Coughlin: You went to school in Kansas? Did you say K State, is that where you went? Kyle Campbell: Yes, I went to school at Kansas State and majored in Chemical Engineering. After K State, then I went to Kansas City and I worked for Procter and Gamble and their manufacturing plant there for five and a half years as a Process and Project Engineer for them. And then, at that point in time, had some opportunities that came available to me in the company, took advantage of those and used it to get my MBA through Rockhurst University in Kansas City. Then came back into banking in 2002 and I’ve been working in the bank and in banking ever since. Kelly Coughlin: Right. That’s terrific. Let’s talk about your early customer market and the current customer market that the bank has. In the early years, what was the primary market for the bank during the first 50 years of operation? Kyle Campbell: Well, I think that in the first 50 years of operation, really the customer base was not a whole lot different that it was today. We have always been in a very agricultural oriented area in the state of Kansas. Our focus has been very much oriented towards agriculture, since our founding and also serving our community needs, which meant that in our case, our commercial credits looked like providing credit to Main Street merchants in our communities. Which, very often for us, were very small mom and pop shops that the types of services and stores that were needed in small communities to keep them growing and thriving. Kelly Coughlin: That has been pretty consistent throughout your entire operating history, correct? Kyle Campbell: That has been very consistent throughout our entire operation. In fact, if you look at the information that’s available on us today, you’ll still find that about 50 - 55% of our loan portfolio is still in either ag production or ag real estate credit. Kelly Coughlin: I read a book a while back, about five years ago, it was called The Worst Hard Time. It was the story of those who survived the American Dust Bowl. Was your bank around during that period? Kyle Campbell: Well, the bank started in 1911 and really our family history started with it in 1929. Kelly Coughlin: I think this was in ’35 though, so it would have been around during the Dust Bowl period then. Kyle Campbell: Right, right. So, I think realistically it was a very challenging time back then. As I mentioned earlier, a lot of that type of situation really was what influenced my grandfather’s view on banking and it’s still something that we keep very much mind with our DNA as to who we are at Astra Bank in that he wanted to run a bank that never went broke. He saw far too many go broke and he saw the impact that it had on the banks customers and on the communities that the bank served and he never wanted to subject his customers or his communities to that. Kelly Coughlin: Right. That does that mean that he was very, very cautious and careful about the loans that he did or patient about collection on the loans? Kyle Campbell: It meant both of those. He was very cautious about that because he didn’t want to, if he could avoid it, getting into collection situations. At the same point in time, what he also wanted to do, was to make sure that if he got into a situation where collection was needed, it meant that he had exhausted all opportunities and avenues to provide the customer a way to work through that difficult challenge. Kelly Coughlin: Yeah, because those were terrible times and I would imagine being a banker at that time, where you were close and integral to the community, it would have been very tough to kind of start squeezing people, squeezing your friends and people you go to church with, during those times. Kyle Campbell: Yes, and it’s one of those things that Mark Twain, I believe it was said, that history doesn’t repeat itself, but it very often rhymes. My dad was faced with a similar situation in the 1980s when agriculture faced another challenging set of years. I think it was a lot of the example that my grandfather set in place, that my father followed which was really prudent and conservative lending into that, that helped them avoid some really serious credit challenges. Also, looking at the example of patience and allowing the customers all of the opportunities that we could afford them to work through the challenges that the economic times presented. Kelly Coughlin: Yeah, right great. All right. Looking forward and what you’re faced with today as the third generation managing the bank, what do you see the biggest opportunities and then, consistent with that, would be what are the biggest threats that your bank faces or community or regional banking in Kansas is facing? Kyle Campbell: Well, I think the biggest opportunity that really faces a bank like Astra Bank and really banks that operate in some less densely populated areas of this country, is there is going to be a drive for consolidation, because of the scope and scale of services that banking customers expect today. That drives a certain inherent level of cost structure with it, which does require some scale. So, I think that is an opportunity that is presented to banks like Astra Bank. Now, that situation may be a challenge for some banks that have found themselves in a position where they don’t know if they have the capacity to actually grow through that, but I think there are some interesting opportunities that I hear bankers looking at in terms of being cooperative with other banks that are facing similar situations. So, I think consolidation is a big opportunity that's out there. It may appear to be a threat to some. Kelly Coughlin: Well, are you guys on the acquiring side? Kyle Campbell: Yes. That's one of our strategies because we can see, as we look forward, there is the potential that we need to continue to grow the scale of our bank, just to continue to be able to serve the communities that we serve in an economical manner. Kelly Coughlin: Give me a brief profile of, what are you looking for? Kyle Campbell: There's some geographical constraints, because obviously, one of the things we know very well is, we know rural communities well. So, generally, we're looking in smaller communities. Not that there's anything wrong with larger communities, but generally, there's a different style of banking that’s present there. We've seen far too many banks that have thought that there isn't really any significant difference between banking in a rural area and banking in an urban area, and they've gone to urban areas and basically had it handed to them by banks that were already in those markets. Really, what we've come to realize is that the ag concentration that we talked about earlier, we certainly have that concentration, but part of what we feel like we know is, we know how to manage that risk that comes along with that concentration. There are other types of businesses that may be presented within less rural markets that we may as not be as well positioned to handle. We're comfortable with who we are, and so that's where we look to as we look to expand. Then, we're also looking to make sure that we're in communities that are significant in the areas that we're targeting, and also making sure that we've got acquisition targets that are of a certain size because really, when you go to acquire an institution, there's a certain base level of work that's required regardless of the size of the institution. Kelly Coughlin: Yes. Along with that opportunity goes the need to have adequate professional staff to help run the bank, whether it be the finance, operation side, executive management. That is a problem that plagues community banks in general, but when you're in the middle of western Kansas, it could be an even more significant challenge. How have you been able to deal with that? How do you get that done? Kyle Campbell: That is one of the areas that I have always kept an eye open for is, we're always looking for good quality staff. And if we find good quality people, we're looking for ways that we can integrate them into the team here at Astra Bank. We as bankers spend a lot of time looking at things that we can easily see on a piece of paper in terms of looking at an institution’s deposit portfolio or looking at its loan portfolio, securities portfolio, etc. But I have a spent a significant amount of time in each of the acquisitions that we've done looking at the people portfolio that comes along with it, and we've had some very excellent people who are in key positions of leadership with Astra Bank, who have come to us through the acquisition process. Kelly Coughlin: I would imagine, in this environment, where living in big cities comes with an element of risk that it really didn't have 15 years ago, living in a nice, quiet community in Kansas may appeal to many families just to get to a safer, quieter area. Have you observed that at all? Kyle Campbell: We have observed that, and we see that there is more of an interest, especially, I think technology is helping rural areas because there are a lot of career opportunities where you had to locate in a major metropolitan area to be physically present to do the job. Whereas today, with the advances of technology, it doesn't matter where you are as long as you can get access through the Internet to your employer and whatever source of work it is that they have for you. You can do your job from almost anywhere in the world. So, we have quite a few people in the communities that we serve, even though they live in rural parts of Kansas and Nebraska. They're actually working for employers in some of the country’s most major metropolitan areas. Kelly Coughlin: Well, for those of you who have never been to Abilene, Kansas, where Kyle is, I'm here to tell you, it's a very cool city. Kyle, why don’t you describe a little bit what you've got going on in Abilene from historical, cultural perspective? Kyle Campbell: Well, I would be obviously remiss if we were talking about the historical and cultural part of Abilene, if we didn't start with the most famous person to come from Abilene, Kansas. And that would be the 34th President of the United States, Dwight David Eisenhower. We are very fortunate here in that we have one of the Presidential libraries and boyhood homes of a United States President. So, that is a very big draw to what we have here, and it's very neat to have something from that scope and scale of a historical significance in our country here in the community of Abilene. Kelly Coughlin: Yeah, and I've been to that library. It's very cool. So, any of you listeners, I would encourage you to pay a visit to Abilene. Kyle, I'm curious, did your father or grandfather ever meet Eisenhower, or was he born and raised there and exited? Kyle Campbell: He was born and raised here, and then exited. There are a lot of people here still in Abilene that knew Eisenhower when he was alive, but I was from more of the north central part of the state. So, where I grew up is about an hour and 15 minutes away now. So, we were more out of the area, and even though my grandfather fought in WWII, he was under a different general, because he was over in the Pacific instead of being in the European theater. Kelly Coughlin: All right, that's terrific. Kyle, it sounds like you like what you're doing. You enjoy it? Kyle Campbell: It's great. I really enjoy it. In fact, I tell folks all the time that I think banking is about one of the best careers you could have, because where else do you get the opportunity to work with people on an individual basis and help them achieve their dreams? Kelly Coughlin: Yeah, and you guys are doing a terrific job there. I know that. Well, that's all I have, but I wanted to finish with one of your favorite quotes. Or the other option would be to tell us one of the stupidest things you've ever said or done in your career, but I'll give you the choice on that. Kyle Campbell: Well, I think I could actually share a brief story on both. As I tell folks since I have the opportunity to teach a couple of classes in banking from time to time and telling the students that I'm teaching there is no such thing as a dumb question. I remember my first bank meeting that I went to, and I sat down in the room with a bunch of people who were obviously much more experienced in banking than I was at the time. I was looking down through the agenda and there was an item later in the agenda that caught my attention, and actually, I was kind of excited to see what was going to happen there. I was really in for a big surprise, when we got to that part of the meeting, and I learned for the first time that in banking, OREO does not refer to a sandwich cookie. So, I was very disappointed to learn that we were talking about real estate that the bank had taken back on the liquidation because I thought we were getting close to a break time where we were going to have treats that were brought in. So, I thought we were going to have Oreos for snacks and really, we were talking about other real estate owned. So, that was kind of my first indoctrination. So, I always tell folks, don’t feel foolish if there's ever anything that you ask, because I've probably done maybe even worse assumptions. Kelly Coughlin: Yeah. Different sweet spot, right? Kyle Campbell: Yeah. I was going to say, I thought we were going to have a sweet spot and then we were talking about something that wasn’t nearly pleasant at all for anybody. One of the quotes that I often use in talking with folks, and I think it also works for banking, because part of what we need to do in our roles as bankers is really keeping a level head in how we assess situations and making sure that we're doing the best for our customers. When I was at Kansas State, I had the opportunity to be in a presentation that was made by the person, who at that point in time was the athletics director at the university, and his name was Max Urick. He made a statement that has stuck with me still to this day. His statement was, “Things are neither as bad as they seem nor as good as they seem. The truth is usually somewhere in between.” I found that statement to be very applicable in life, because there is times within the human emotions that we can get too high on the highs and too low on the lows, and realistically, we need to step back and take a very balanced view of the situations we're in. And I think that's one of the tremendous services that we can offer our customers as community bankers. Kelly Coughlin: Yeah, that's a great quote. I've heard derivations of that, but that's succinctly phrased. I like that. Thank you for sharing that. I appreciate that. Well, that's all I have. Anything else you wanted to add? Or should we sign off right now? I really appreciate your time. Kyle Campbell: Well, I want to thank you for inviting me as a guest. I've really enjoyed our time talking. Kelly Coughlin: Thanks a lot. Announcer: We want to thank you for listening to the syndicated audio program, BankBosun.com. The audio content is produced and syndicated by Seth Greene, market domination with the help of Kevin Boyle. Video content is produced by the Guildmaster Studio, Keenan Bobson Boyle. Voice introduction is me, Karim Kronfli. The program is hosted by Kelly Coughlin. If you like this program, please tell us. If you don’t, please tell us how we can improve it. Now, some disclaimers. Kelly is licensed with the Minnesota State Board of Accountancy as a Certified Public Accountant. The view expressed here are solely those of Kelly Coughlin and his guests in their private capacity, and do not in any way represent the views of any other agent, principal, employer, employee, vendor, or supplier.
Stamp Show Here Today - Postage stamp news, collecting and information
Hey listeners, welcome to Stamp Show Here Today, Episode 23! This episode, we will be talking about Stamp News – the new Postmaster General Megan J. Brennan, #stampstories Sam Simon, and our expert topic is all about Kansas Nebraska overprints.