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IN THIS ISSUE
FALL 2011
New Carlisle Federal Savings Bank ...more bank for your buck! ®
NCF UARTERLY
Safe Shopping .............1
Holiday Events .........1
Christmas Safety ...... 2
Facebook ......................... 2
Ask The Prez ...............2
Sweet Tater Recipe ....3
Get To Know NCF ....3
Word Search ..............3
Sudoku ...........................3
Puzzle Solutions .....4
Branch Info ...............4
- 1 -
LocalHolidayEvents ur Branch cities have scheduled a plethora of Hometown Holiday Events designed to get you into the “Spirit” of the season. Make plans now to attend and enjoy.
O
QR Code for...newcarlislefederal.com
New CaRlisle Chamber of Commerce Open House and Visit with Santa Saturday, November 19th, festivities begin at 11 a.m.
New Carlisle Merchants Christmas Parade and Open House Saturday, December 3rd, festivities begin at 10 a.m.
spRiNgfield Holiday in the City Surrounding City Hall Plaza Saturday, November 26th, festivities begin at 2 p.m.
The Nutcracker presented by The Ohio Performing Arts Institute Friday, December 2nd and Saturday December 3rd For show times and tickets, call 324-7444
Tipp CiTyYuletide Winter’s GatheringA Shopkeeper’s Open House in downtown Tipp City Saturday, Nov. 12th, 10 a.m. – 8 p.m. Sunday, Nov. 13th, 12 – 6 p.m.
Tippecanoe Christmas in the Village Saturday, December 3rd, 2 p.m. – 6 p.m.
7 Ways To Rake Leaves…and Keep it FUN!Here are some great tips to make raking up your Fall leaves andother yard debris easier… 1. Buy a sturdy rake with wide tines that will bend a tad. This will make it easier for you to get more leaves per sweep. 2. If you routinely have pain in your shoulders or your back, consider purchasing an ergonomic rake. 3. To prevent backaches from using muscles that you don’t normally use, don’t stand in one
place when you rake. Move your feet and legs as you bend and twist to do the raking. 4. When sweeping with your rake, sweep in smaller motions rather than larger ones. 5. Keepthewinddirectioninmindandstartrakingdownwind.Otherwise,you’llfindyourself
raking the same leaves up later. 6. Wear long pants, gloves and layers when raking. This will help to protect you in the event
there are snakes or insects in between the leaves. It will also keep you warm while it’s cooler and enable you to shed layers as it warms up outside.
7. Wait until after peak foliage time to rake your Fall leaves.
These are just a few tips to get you started with your Fall leaf raking.By following even a few of them, the task will be much more enjoyableand safer for you and those who help you rake leaves.
From: http://household-tips.thefuntimesguide.com
AskThePrez...Why are savingsand CD rates so low?
People often ask me why savings and CD interest rates are so low. This ques-tion is answered most easily by consid-ering basic economics; the law of supply and demand. When people and businesses don’t want to borrow money, we (the bank) have to look at alternatives to invest de-posit dollars. Currently, most banks have large sums of excess deposits. We do not keep these excess deposits as cash in the vault. We invest this money in very safe Treasury Bills and government agency se-curities. As I write this column, the six month rate on a U.S. Treasury Bill is only .06%andforfiveyearstherateisbare-ly over 1%. Loan rates range from about 3.25% to 6%. With loan demand low, more mon-ey than normal is in these investments. While we are earning so little on these deposits, we cannot pay higher deposit interest rates to customers. So until we earn more from additional loans we cannot pay more for depos-its either. Loan demand is weak so our supply of money to loan is high. Until this supply begins to dimin-ish, deposit rates will not increase. Supply and demand deter-mines price, or in this case, the rate.
New Carlisle Federal Savings Bank ...more bank for your buck! ®- 2 -
Everyone wants to be liked and we’re no exception. Scan the QR code (left) with your smart phone/mobile device
and check out the New Carlisle Federal Facebook page. “Like” us and join our many other Facebook friends now receiving up-to-date info about special bank pro-motions, timely financial news, announcements
and more. Banking in the 21st century means connecting to our customers. That’s why New Carlisle Federal is never more than a “click” away.
www.facebook.com/NCFSB
Like Us! ...on Facebook
• Keep careful track of your bags and other packages. If you leave something behind, it could get stolen or discarded.
• Tell a security guard or store employee if you see an unattended bag or package. The same applies when taking mass transit: report any unattended packages to security or staff.
As the holiday season approaches, malls, other retailers, and grocery stores are more crowded than usual with busy shoppers. Whether you are celebrating a holiday in the coming weeks or not, keep the following in mind when going out to shop (and the rest of the year, too):
Safe Shopping
• Be sure not to buy more than you can carry. If your packages are making it hard
for you to walk upright or see, ask a store employee to help you carry them to your car.
• Check receipts to see whether your full credit card number appears. If a receipt has your full number on it, take a pen and thoroughly scratch it out.
• Double check that you have your credit cards and check book after you pay for your items.
New Carlisle Federal Savings Bank ...more bank for your buck! ®- 3 -
Kathi has been with New Carlisle Federal for a to-tal of 22 ½ years working in both the New Carlisle and SpringfieldOffices. She hasheld numerous positions through-out the bank and is currently a Customer Service Represen-tative and the Bank’s IRA Administrator at theNewCarlisleOffice. Kathi is constantly humming, singing, or whistling a tune throughout the Bank which brightens the day for her coworkers. She is an active member at Maiden Lane Church of God. Some of her evenings are spent walking her dog Chloe and her son’s dog Duke (who is in love with Chloe). She enjoys cross stitching, making cards and crafts. She and her husband David topped off 25 years of marriage in 2009 with an Alas-kan cruise. If you want to know what Kathi is most proud of, just ask her about her children: Stephanie, Tiffany and Andy. Re-cently, there has been a new addition to the family - her wonderful son-in-law Matt!
Get to Know...Kathi Riley
WORD SEARCH - Banking
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Submitted by: Gina Roby, Tipp City Office
4 cups canned sweet potatoes (mashed up)1 cup sugar2 eggs1/2 cup milk1/2 tsp. salt1/3 stick melted butter1 tsp. vanillaMix well and put into 8 x 8buttered, glass casserole dish Topping: 1 cup brown sugar 1/2cupflour 1/3 cup butter - melted 1 cup pecans
Mix ingredients together and crumble over top of sweet potato mixture. Bake 350 degrees for 40-45 minutes uncovered.
S U D O K USweet Tater Casserole
New Carlisle Federal Savings Bank ...more bank for your buck! ®- 4 -
BRaNCH MaNageRsBecky L. McKenzie, New Carlisle [email protected]
JasonR.Bucey,[email protected]
Russell D. Thayer, Tipp City [email protected]
BaNk OffiCeRsDale B. Steinlage, President & CEO [email protected]
Carl S. Gilbert,SVP - Mortgage and Consumer Lending,[email protected]
Annette M. Ryan, SVP - Business Development [email protected]
Andy Nichols, VP and Treasurer [email protected]
Brian A. Smith, VP - Business Development [email protected]
Teri Dillahunt, AVP - Bank Operations [email protected]
Julie Brannon, Assistant Vice [email protected]
BOaRd Of diReCTORsH. Steven Grieser, Chairman of the Board Donald L. GilliamJeffrey S. Goodall Gerald E. SimontonDale B. Steinlage
We hope you came out on a blustery Saturday, October 1st morning to see us in the Heritage of Flight Parade. We tried to stay warm butit sure was cold!
Kathi Riley & Heather Navarre
wORd seaRCH sOluTiON
NEW CARLISLE OFFICE 400N.MainSt.•NewCarlisle,OH45344
Phone: 937.845.3636Fax: 937.845.3728
Hours Monday through Thursday
Lobby: 9:00 a.m. to 5:00 p.m.Drive-Up: 8:00 a.m. to 5:00 p.m.
Friday Lobby: 9:00 a.m. to 6:00 p.m.
Drive-Up: 8:00 a.m. to 6:00 p.m.Saturday
Lobby: 9:00 a.m. to 12:00 p.m.Drive-Up: 8:00 a.m. to 12:00 p.m.
SPRINGFIELD OFFICE 833VillaRd.•Springfield,OH45503
Phone: 937.342.1999Fax: 937.342.1995
Hours Monday through Thursday
Lobby: 9:00 a.m. to 5:00 p.m.Drive-Up: 8:00 a.m. to 5:00 p.m.
Friday Lobby: 9:00 a.m. to 6:00 p.m.
Drive-Up: 8:00 a.m. to 6:00 p.m.Saturday
Lobby: 9:00 a.m. to 12:00 p.m.Drive-Up: 8:00 a.m. to 12:00 p.m.
TIPP CITY OFFICE 5129S.CntyRd.25-A•TippCity,OH45371
Phone: 937.667.7667Fax: 937.667.9527
Hours Monday through Thursday
Lobby: 10:00 a.m. to 5:00 p.m.Drive-Up: 9:00 a.m. to 5:00 p.m.
Friday Lobby: 10:00 a.m. to 6:00 p.m.
Drive-Up: 9:00 a.m. to 6:00 p.m.Saturday
Lobby: 9:00 a.m. to 12:00 p.m.Drive-Up: 9:00 a.m. to 12:00 p.m.
Want to receive this newsletter via e-mail? Contact us at [email protected].
sudOku sOluTiON
Sandra Ruble
