Pope County Community

Cash flow Survey

Statistical Report:

Financial Services

 

 

 

 

Dr. Jon Anderson, Associate Professor of Statistics

Dr. Engin Sungur, Professor of Statistics

 

 

 

 

 

Technical Report

www5555.morris.umn.edu//pope/reportmainframe.html

 

 

 

 

University of Minnesota, Morris

Statistics Discipline

Morris, MN 56267

5/14/02


 

 

 

 

Related Survey Questions:

 

III. Financial Services

 

 

21. Do you use these financial services and products?

22. If yes, what percentage of these financial services and products do you use from institutions in Pope County?

Checking account

oYES      oNO

o0     o1-20 o21-40 o41-60 o61-80 o81-100

Savings account

oYES      oNO

o0     o1-20 o21-40 o41-60 o61-80 o81-100

Investments

oYES      oNO

o0     o1-20 o21-40 o41-60 o61-80 o81-100

Home loan

oYES      oNO

o0     o1-20 o21-40 o41-60 o61-80 o81-100

Consumer loan

oYES      oNO

o0     o1-20 o21-40 o41-60 o61-80 o81-100

 

23. How important are these factors in encouraging you to use more local financial services and products:

Ability to use credit cards

Not Important   o1 o2 o3 o4 o5 Very Important

Ability to use cash machine

o1 o2 o3 o4 o5

Drive up window

o1 o2 o3 o4 o5

Electronic bill paying banking

o1 o2 o3 o4 o5

Debit cards

o1 o2 o3 o4 o5

Electronic banking

o1 o2 o3 o4 o5

Other (please specify)

 

24. What could be better about Pope County banking and financial services?

 

 

 

 

 

 

 

 

 

Tables:

 

 

                                       Financial Services                                      

 

                         „ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒ†

                                            ‚ Do You Use These      

                                                Products or        

                                                 Services?         

                                            ‡ƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒƒ‰    

                                               Yes      No    ‚Total‚

                                            ‡ƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒ‰

                                               Pct      Pct     N 

                         ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒ‰

                         ‚Checking Account        95.5‚      4.5‚  246‚

                         ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒ‰

                         ‚Savings Account         88.9‚     11.1‚  244‚

                         ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒ‰

                         ‚Investments             66.9‚     33.1‚  239‚

                         ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒ‰

                         ‚Home Loan               55.0‚     45.0‚  238‚

                         ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒ‰

                         ‚Consumer Loan           56.1‚     43.9‚  237‚

                         Šƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒŒ

                                      

 

 

 

 

Financial Services

 

       „ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒ…ƒƒƒƒ†

                                    Percentage Spent Locally                       

                      ‡ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ‰        

                                                                 81-          

                      ‚Zero %=0‚1-20%=1 ‚21-40%=2‚41-60%=3‚61-80%=4‚ 100%=5 ‚Total‚   

                      ‡ƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒ‰   

                        Pct     Pct     Pct     Pct     Pct     Pct     N  ‚MEAN‚

       ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

       ‚Checking                                                               

       ‚Account             8.3‚     3.0‚     2.2‚     5.7‚     2.6‚    78.3‚  230‚ 4.3‚

       ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

       ‚Savings Account‚     7.6‚     3.8‚     2.4‚     3.8‚     3.3‚    79.1‚  211‚ 4.3‚

       ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

       ‚Investments        28.2‚     8.3‚     3.8‚     7.7‚    12.8‚    39.1‚  156‚ 2.9‚

       ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

       ‚Home Loan          31.3‚     3.9‚     3.9‚     3.9‚     4.7‚    52.3‚  128‚ 3.0‚

       ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

       ‚Consumer Loan      15.9‚     3.8‚     0.8‚     6.8‚    10.6‚    62.1‚  132‚ 3.8‚

       Šƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒ‹ƒƒƒƒŒ


 

                                       Financial Services                                       

 

         „ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒ…ƒƒƒƒ†

                                 Importance to Spend More Locally                 

                         ‡ƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒƒ‰        

                                  ‚Somewhat ‚                                   

                            Not   ‚Unimport-‚         ‚Somewhat ‚  Very           

                         ‚Important‚   ant   ‚ Neutral ‚Important‚Important‚Total‚   

                         ‡ƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒ‰   

                            Pct      Pct      Pct      Pct      Pct     N  ‚MEAN‚

         ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

         ‚Ability to use                                                       

         ‚credit cards         24.9‚     10.5‚     21.9‚     16.5‚     26.2‚  237‚ 3.1‚

         ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

         ‚Ability to use                                                       

         ‚cash machine         32.6‚      6.7‚     17.6‚     16.7‚     26.4‚  239‚ 3.0‚

         ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

         ‚Drive up window ‚     15.0‚      6.3‚     17.5‚     20.0‚     41.3‚  240‚ 3.7‚

         ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

         ‚Electronic bill ‚                                                     

         ‚paying               39.4‚     11.9‚     20.3‚     11.0‚     17.4‚  236‚ 2.6‚

         ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

         ‚Debit cards          39.6‚     10.2‚     20.4‚     10.6‚     19.1‚  235‚ 2.6‚

         ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

         ‚Electronic                                                           

         ‚banking              37.2‚      8.4‚     22.6‚     13.7‚     18.1‚  226‚ 2.7‚

         Šƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒ‹ƒƒƒƒŒ


 

                                        Checking Account                                       

 

   „ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒ…ƒƒƒƒ†

   ‚Demographics                       Percent Spent Locally                             

                  ‡ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ‰        

                                                                     81-          

                  ‚Missing ‚Zero %=0‚1-20%=1 ‚21-40%=2‚41-60%=3‚61-80%=4‚ 100%=5 ‚Total‚   

                  ‡ƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒ‰   

                    Pct     Pct     Pct     Pct     Pct     Pct     Pct     N  ‚MEAN‚

   ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

   ‚Location of                                                                    

   ‚Residence:                                                                     

   ‚Missing               .‚       .‚    25.0‚       .‚    25.0‚    25.0‚    25.0‚    4‚ 3.3‚

   ‚Rural               3.1‚    10.2‚     3.9‚     2.4‚     4.7‚     1.6‚    74.0‚  127‚ 4.1‚

   ‚In Town             1.0‚     5.8‚     1.0‚     1.9‚     5.8‚     2.9‚    81.7‚  104‚ 4.5‚

   ‚Nearest City:                                                                  

   ‚Missing               .‚       .‚       .‚       .‚    50.0‚       .‚    50.0‚    2‚ 4.0‚

   ‚Cyrus                 .‚    45.5‚       .‚       .‚     9.1‚     9.1‚    36.4‚   11‚ 2.5‚

   ‚Farwell               .‚    25.0‚       .‚       .‚       .‚       .‚    75.0‚    4‚ 3.8‚

   ‚Glenwood            1.9‚     3.8‚     3.8‚     2.9‚     6.7‚     2.9‚    77.9‚  104‚ 4.4‚

   ‚Long Beach            .‚       .‚     6.7‚       .‚     6.7‚       .‚    86.7‚   15‚ 4.6‚

   ‚Lowry               5.9‚    17.6‚       .‚    11.8‚       .‚       .‚    64.7‚   17‚ 3.7‚

   ‚Sedan                 .‚    38.5‚       .‚       .‚     7.7‚       .‚    53.8‚   13‚ 2.9‚

   ‚Starbuck            2.4‚     2.4‚     2.4‚       .‚     2.4‚     4.8‚    85.7‚   42‚ 4.7‚

   ‚Villard             4.0‚       .‚     4.0‚       .‚     4.0‚       .‚    88.0‚   25‚ 4.8‚

   ‚Westport              .‚       .‚       .‚       .‚       .‚       .‚   100.0‚    2‚ 5.0‚

   ‚Adults Employed‚                                                                

   ‚Outside Pope                                                                   

   ‚County?                                                                        

   ‚Missing             3.1‚     6.9‚     1.5‚     1.5‚     5.3‚       .‚    81.7‚  131‚ 4.4‚

   ‚Yes                   .‚    10.5‚     3.9‚     2.6‚     3.9‚     5.3‚    73.7‚   76‚ 4.1‚

   ‚No                  3.6‚     7.1‚     7.1‚     3.6‚    10.7‚     7.1‚    60.7‚   28‚ 3.9‚

   ‚12 to 18 Year                                                                  

   ‚Olds in Family?‚                                                                 

   ‚Yes                   .‚     6.7‚     2.9‚     1.9‚     2.9‚     3.8‚    81.7‚  104‚ 4.4‚

   ‚No                  3.8‚     9.2‚     3.1‚     2.3‚     7.6‚     1.5‚    72.5‚  131‚ 4.2‚

   ‚Disposable                                                                     

   ‚Income:                                                                        

   ‚Missing             4.0‚     8.0‚     8.0‚     4.0‚     4.0‚       .‚    72.0‚   25‚ 4.0‚

   ‚$14 K or less      11.8‚    11.8‚       .‚       .‚     5.9‚       .‚    70.6‚   17‚ 4.2‚

   ‚$15 K - $29 K       4.8‚    11.9‚     4.8‚       .‚     2.4‚       .‚    76.2‚   42‚ 4.1‚

   ‚$30 K - $44 K         .‚     5.8‚     2.9‚     1.4‚     5.8‚     2.9‚    81.2‚   69‚ 4.4‚

   ‚$45 K - $59 K         .‚     9.8‚       .‚     2.4‚     4.9‚     4.9‚    78.0‚   41‚ 4.3‚

   ‚$60 K - $75 K         .‚     8.0‚       .‚     4.0‚     4.0‚     8.0‚    76.0‚   25‚ 4.3‚

   ‚$75 K or more         .‚       .‚     6.3‚     6.3‚    18.8‚       .‚    68.8‚   16‚ 4.2‚

   Šƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒ‹ƒƒƒƒŒ


 

                                         Savings Account                                      

 

   „ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒ…ƒƒƒƒ†

   ‚Demographics                       Percent Spent Locally                             

                  ‡ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ‰        

                                                                     81-          

                  ‚Missing ‚Zero %=0‚1-20%=1 ‚21-40%=2‚41-60%=3‚61-80%=4‚ 100%=5 ‚Total‚   

                  ‡ƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒ‰   

                    Pct     Pct     Pct     Pct     Pct     Pct     Pct     N  ‚MEAN‚

   ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

   ‚Location of                                                                    

   ‚Residence:                                                                     

   ‚Missing               .‚       .‚    25.0‚       .‚       .‚    50.0‚    25.0‚    4‚ 3.5‚

   ‚Rural               3.4‚     9.2‚     3.4‚     2.5‚     5.0‚     1.7‚    74.8‚  119‚ 4.2‚

   ‚In Town             2.1‚     5.3‚     3.2‚     2.1‚     2.1‚     3.2‚    81.9‚   94‚ 4.5‚

   ‚Nearest City:                                                                  

   ‚Missing               .‚       .‚       .‚       .‚    50.0‚       .‚    50.0‚    2‚ 4.0‚

   ‚Cyrus                 .‚    40.0‚    10.0‚    10.0‚    10.0‚       .‚    30.0‚   10‚ 2.1‚

   ‚Farwell               .‚    25.0‚       .‚       .‚       .‚       .‚    75.0‚    4‚ 3.8‚

   ‚Glenwood            3.1‚     6.1‚     2.0‚     2.0‚     2.0‚     3.1‚    81.6‚   98‚ 4.5‚

   ‚Long Beach            .‚       .‚     6.7‚       .‚       .‚     6.7‚    86.7‚   15‚ 4.7‚

   ‚Lowry               5.9‚    11.8‚    11.8‚     5.9‚       .‚     5.9‚    58.8‚   17‚ 3.6‚

   ‚Sedan                 .‚    25.0‚       .‚       .‚    16.7‚       .‚    58.3‚   12‚ 3.4‚

   ‚Starbuck            2.9‚       .‚     2.9‚     2.9‚     2.9‚     5.7‚    82.9‚   35‚ 4.7‚

   ‚Villard             4.5‚       .‚     4.5‚       .‚     4.5‚       .‚    86.4‚   22‚ 4.7‚

   ‚Westport              .‚       .‚       .‚       .‚       .‚       .‚   100.0‚    2‚ 5.0‚

   ‚Adults Employed‚                                                                

   ‚Outside Pope                                                                   

   ‚County?                                                                        

   ‚Missing             3.2‚     4.8‚     2.4‚       .‚     2.4‚     3.2‚    84.0‚  125‚ 4.6‚

   ‚Yes                 1.4‚     8.7‚     7.2‚     4.3‚     4.3‚     4.3‚    69.6‚   69‚ 4.0‚

   ‚No                  4.3‚    17.4‚       .‚     8.7‚     8.7‚       .‚    60.9‚   23‚ 3.6‚

   ‚12 to 18 Year                                                                  

   ‚Olds in Family?‚                                                                

   ‚Yes                 1.0‚     4.0‚     3.0‚     4.0‚     4.0‚     2.0‚    82.0‚  100‚ 4.5‚

   ‚No                  4.3‚    10.3‚     4.3‚     0.9‚     3.4‚     4.3‚    72.6‚  117‚ 4.1‚

   ‚Disposable                                                                     

   ‚Income:                                                                        

   ‚Missing             4.5‚     9.1‚     4.5‚       .‚       .‚       .‚    81.8‚   22‚ 4.3‚

   ‚$14 K or less       8.3‚    16.7‚       .‚       .‚       .‚       .‚    75.0‚   12‚ 4.1‚

   ‚$15 K - $29 K       5.6‚     8.3‚     2.8‚       .‚     5.6‚     2.8‚    75.0‚   36‚ 4.3‚

   ‚$30 K - $44 K       1.5‚     5.9‚     4.4‚     1.5‚     1.5‚     4.4‚    80.9‚   68‚ 4.4‚

   ‚$45 K - $59 K         .‚     7.7‚     7.7‚       .‚     5.1‚     2.6‚    76.9‚   39‚ 4.2‚

   ‚$60 K - $75 K       3.8‚     7.7‚       .‚    11.5‚     3.8‚     3.8‚    69.2‚   26‚ 4.1‚

   ‚$75 K or more         .‚       .‚       .‚     7.1‚    14.3‚     7.1‚    71.4‚   14‚ 4.4‚

   Šƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒ‹ƒƒƒƒŒ


 

                                           Investments                                        

 

   „ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒ…ƒƒƒƒ†

   ‚Demographics                       Percent Spent Locally                             

                  ‡ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ‰        

                                                                     81-          

                  ‚Missing ‚Zero %=0‚1-20%=1 ‚21-40%=2‚41-60%=3‚61-80%=4‚ 100%=5 ‚Total‚   

                  ‡ƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒ‰   

                    Pct     Pct     Pct     Pct     Pct     Pct     Pct     N  ‚MEAN‚

   ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

   ‚Location of                                                                    

   ‚Residence:                                                                     

   ‚Missing               .‚       .‚       .‚       .‚       .‚       .‚   100.0‚    1‚ 5.0‚

   ‚Rural               2.3‚    27.6‚    10.3‚     3.4‚     9.2‚    13.8‚    33.3‚   87‚ 2.7‚

   ‚In Town             2.8‚    27.8‚     5.6‚     4.2‚     5.6‚    11.1‚    43.1‚   72‚ 3.0‚

   ‚Nearest City:                                                                  

   ‚Missing               .‚       .‚    50.0‚       .‚       .‚       .‚    50.0‚    2‚ 3.0‚

   ‚Cyrus                 .‚    72.7‚     9.1‚       .‚    18.2‚       .‚       .‚   11‚ 0.6‚

   ‚Farwell               .‚    50.0‚    25.0‚       .‚       .‚       .‚    25.0‚    4‚ 1.5‚

   ‚Glenwood            2.9‚    20.6‚     8.8‚     4.4‚     5.9‚    13.2‚    44.1‚   68‚ 3.2‚

   ‚Long Beach            .‚    22.2‚       .‚    11.1‚    11.1‚       .‚    55.6‚    9‚ 3.3‚

   ‚Lowry                 .‚    45.5‚     9.1‚     9.1‚     9.1‚       .‚    27.3‚   11‚ 1.9‚

   ‚Sedan                 .‚    22.2‚    11.1‚       .‚    11.1‚    11.1‚    44.4‚    9‚ 3.1‚

   ‚Starbuck            3.7‚    14.8‚       .‚     3.7‚     3.7‚    18.5‚    55.6‚   27‚ 3.8‚

   ‚Villard             5.6‚    38.9‚    11.1‚       .‚    11.1‚    27.8‚     5.6‚   18‚ 1.9‚

   ‚Westport              .‚       .‚       .‚       .‚       .‚       .‚   100.0‚    1‚ 5.0‚

   ‚Adults Employed‚                                                                

   ‚Outside Pope                                                                   

   ‚County?                                                                        

   ‚Missing             2.2‚    20.7‚     7.6‚     4.3‚     5.4‚    14.1‚    45.7‚   92‚ 3.2‚

   ‚Yes                 2.0‚    42.9‚    10.2‚     2.0‚    10.2‚    10.2‚    22.4‚   49‚ 2.0‚

   ‚No                  5.3‚    21.1‚     5.3‚     5.3‚    10.5‚    10.5‚    42.1‚   19‚ 3.2‚

   ‚12 to 18 Year                                                                  

   ‚Olds in Family?‚                                                                

   ‚Yes                 1.4‚    28.2‚     9.9‚     2.8‚     7.0‚     8.5‚    42.3‚   71‚ 2.9‚

   ‚No                  3.4‚    27.0‚     6.7‚     4.5‚     7.9‚    15.7‚    34.8‚   89‚ 2.9‚

   ‚Disposable                                                                     

   ‚Income:                                                                        

   ‚Missing             5.6‚    22.2‚    11.1‚       .‚     5.6‚    16.7‚    38.9‚   18‚ 3.1‚

   ‚$14 K or less         .‚       .‚       .‚       .‚       .‚    50.0‚    50.0‚    2‚ 4.5‚

   ‚$15 K - $29 K       3.7‚    29.6‚    14.8‚       .‚    11.1‚    18.5‚    22.2‚   27‚ 2.4‚

   ‚$30 K - $44 K         .‚    28.3‚     6.5‚     6.5‚     8.7‚     4.3‚    45.7‚   46‚ 2.9‚

   ‚$45 K - $59 K       6.1‚    33.3‚     3.0‚       .‚     3.0‚     6.1‚    48.5‚   33‚ 3.0‚

   ‚$60 K - $75 K         .‚    22.7‚    13.6‚     9.1‚     9.1‚    18.2‚    27.3‚   22‚ 2.7‚

   ‚$75 K or more         .‚    25.0‚       .‚     8.3‚     8.3‚    25.0‚    33.3‚   12‚ 3.1‚

   Šƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒ‹ƒƒƒƒŒ


 

                                       Home Loan Services                                     

 

   „ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒ…ƒƒƒƒ†

   ‚Demographics                       Percent Spent Locally                             

                  ‡ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ‰        

                                                                     81-          

                  ‚Missing ‚Zero %=0‚1-20%=1 ‚21-40%=2‚41-60%=3‚61-80%=4‚ 100%=5 ‚Total‚   

                  ‡ƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒ‰   

                    Pct     Pct     Pct     Pct     Pct     Pct     Pct     N  ‚MEAN‚

   ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

   ‚Location of                                                                    

   ‚Residence:                                                                     

   ‚Missing               .‚       .‚       .‚       .‚       .‚   100.0‚       .‚    1‚ 4.0‚

   ‚Rural               1.5‚    32.4‚     4.4‚     2.9‚     2.9‚     4.4‚    51.5‚   68‚ 3.0‚

   ‚In Town             3.2‚    29.0‚     3.2‚     4.8‚     4.8‚     3.2‚    51.6‚   62‚ 3.1‚

   ‚Nearest City:                                                                  

   ‚Cyrus                 .‚    87.5‚       .‚       .‚    12.5‚       .‚       .‚    8‚ 0.4‚

   ‚Farwell               .‚       .‚       .‚       .‚       .‚       .‚   100.0‚    2‚ 5.0‚

   ‚Glenwood            5.2‚    22.4‚     5.2‚     3.4‚     3.4‚     5.2‚    55.2‚   58‚ 3.4‚

   ‚Long Beach            .‚    25.0‚       .‚    12.5‚       .‚    12.5‚    50.0‚    8‚ 3.3‚

   ‚Lowry                 .‚    44.4‚    11.1‚       .‚    11.1‚       .‚    33.3‚    9‚ 2.1‚

   ‚Sedan                 .‚    57.1‚       .‚       .‚    14.3‚       .‚    28.6‚    7‚ 1.9‚

   ‚Starbuck              .‚    20.0‚     4.0‚     8.0‚       .‚     4.0‚    64.0‚   25‚ 3.6‚

   ‚Villard               .‚    41.7‚       .‚       .‚       .‚     8.3‚    50.0‚   12‚ 2.8‚

   ‚Westport              .‚       .‚       .‚       .‚       .‚       .‚   100.0‚    2‚ 5.0‚

   ‚Adults Employed‚                                                                

   ‚Outside Pope                                                                   

   ‚County?                                                                        

   ‚Missing             4.1‚    23.0‚     5.4‚     5.4‚     2.7‚     4.1‚    55.4‚   74‚ 3.3‚

   ‚Yes                   .‚    44.4‚     2.2‚     2.2‚     4.4‚     6.7‚    40.0‚   45‚ 2.5‚

   ‚No                    .‚    25.0‚       .‚       .‚     8.3‚       .‚    66.7‚   12‚ 3.6‚

   ‚12 to 18 Year                                                                  

   ‚Olds in Family?‚                                                                

   ‚Yes                 1.5‚    27.3‚     3.0‚     3.0‚     3.0‚     6.1‚    56.1‚   66‚ 3.3‚

   ‚No                  3.1‚    33.8‚     4.6‚     4.6‚     4.6‚     3.1‚    46.2‚   65‚ 2.8‚

   ‚Disposable                                                                     

   ‚Income:                                                                        

   ‚Missing               .‚    54.5‚       .‚       .‚       .‚     9.1‚    36.4‚   11‚ 2.2‚

   ‚$14 K or less         .‚       .‚       .‚       .‚       .‚    25.0‚    75.0‚    4‚ 4.8‚

   ‚$15 K - $29 K         .‚    23.5‚       .‚     5.9‚       .‚       .‚    70.6‚   17‚ 3.6‚

   ‚$30 K - $44 K       4.3‚    31.9‚     2.1‚     4.3‚     4.3‚     2.1‚    51.1‚   47‚ 3.0‚

   ‚$45 K - $59 K       3.7‚    33.3‚     3.7‚     3.7‚       .‚     3.7‚    51.9‚   27‚ 3.0‚

   ‚$60 K - $75 K         .‚    26.3‚    10.5‚     5.3‚    15.8‚     5.3‚    36.8‚   19‚ 2.7‚

   ‚$75 K or more         .‚    16.7‚    16.7‚       .‚       .‚    16.7‚    50.0‚    6‚ 3.3‚

   Šƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒ‹ƒƒƒƒŒ


 

                                     Consumer Loan Services                                   

 

   „ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ…ƒƒƒƒƒ…ƒƒƒƒ†

   ‚Demographics                       Percent Spent Locally                             

                  ‡ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ…ƒƒƒƒƒƒƒƒ‰        

                                                                     81-          

                  ‚Missing ‚Zero %=0‚1-20%=1 ‚21-40%=2‚41-60%=3‚61-80%=4‚ 100%=5 ‚Total‚   

                  ‡ƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒ‰   

                    Pct     Pct     Pct     Pct     Pct     Pct     Pct     N  ‚MEAN‚

   ‡ƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒƒƒƒˆƒƒƒƒƒˆƒƒƒƒ‰

   ‚Location of                                                                    

   ‚Residence:                                                                     

   ‚Missing               .‚       .‚       .‚       .‚    33.3‚       .‚    66.7‚    3‚ 4.3‚

   ‚Rural                 .‚    12.3‚     4.1‚       .‚     6.8‚    12.3‚    64.4‚   73‚ 4.0‚

   ‚In Town             1.8‚    21.1‚     3.5‚     1.8‚     5.3‚     8.8‚    57.9‚   57‚ 3.5‚

   ‚Nearest City:                                                                  

   ‚Missing               .‚       .‚       .‚       .‚       .‚       .‚   100.0‚    1‚ 5.0‚

   ‚Cyrus                 .‚    60.0‚       .‚       .‚    20.0‚       .‚    20.0‚    5‚ 1.6‚

   ‚Farwell               .‚       .‚       .‚       .‚       .‚       .‚   100.0‚    3‚ 5.0‚

   ‚Glenwood            1.7‚    12.1‚     5.2‚     1.7‚     3.4‚    13.8‚    62.1‚   58‚ 3.9‚

   ‚Long Beach            .‚       .‚       .‚       .‚     9.1‚       .‚    90.9‚   11‚ 4.8‚

   ‚Lowry                 .‚    36.4‚       .‚       .‚     9.1‚    18.2‚    36.4‚   11‚ 2.8‚

   ‚Sedan                 .‚    50.0‚       .‚       .‚    50.0‚       .‚       .‚    4‚ 1.5‚

   ‚Starbuck              .‚    11.1‚     3.7‚       .‚     7.4‚    14.8‚    63.0‚   27‚ 4.0‚

   ‚Villard               .‚    15.4‚     7.7‚       .‚       .‚       .‚    76.9‚   13‚ 3.9‚

   ‚Adults Employed‚                                                                

   ‚Outside Pope                                                                   

   ‚County?                                                                        

   ‚Missing               .‚    10.1‚     3.8‚     1.3‚     6.3‚     8.9‚    69.6‚   79‚ 4.1‚

   ‚Yes                   .‚    30.2‚     2.3‚       .‚     7.0‚    14.0‚    46.5‚   43‚ 3.1‚

   ‚No                  9.1‚       .‚     9.1‚       .‚     9.1‚     9.1‚    63.6‚   11‚ 4.3‚

   ‚12 to 18 Year                                                                  

   ‚Olds in Family?‚                                                                

   ‚Yes                   .‚    12.9‚     4.3‚       .‚    10.0‚     7.1‚    65.7‚   70‚ 3.9‚

   ‚No                  1.6‚    19.0‚     3.2‚     1.6‚     3.2‚    14.3‚    57.1‚   63‚ 3.6‚

   ‚Disposable                                                                     

   ‚Income:                                                                        

   ‚Missing             7.1‚    14.3‚       .‚       .‚    14.3‚       .‚    64.3‚   14‚ 3.9‚

   ‚$14 K or less         .‚       .‚       .‚       .‚       .‚    25.0‚    75.0‚    4‚ 4.8‚

   ‚$15 K - $29 K         .‚     9.5‚     4.8‚     4.8‚     4.8‚    14.3‚    61.9‚   21‚ 4.0‚

   ‚$30 K - $44 K         .‚    14.3‚     4.8‚       .‚     4.8‚    11.9‚    64.3‚   42‚ 3.9‚

   ‚$45 K - $59 K         .‚    16.7‚       .‚       .‚     4.2‚     4.2‚    75.0‚   24‚ 4.0‚

   ‚$60 K - $75 K         .‚    27.8‚       .‚       .‚    11.1‚    16.7‚    44.4‚   18‚ 3.2‚

   ‚$75 K or more         .‚    20.0‚    20.0‚       .‚    10.0‚    10.0‚    40.0‚   10‚ 2.9‚

   Šƒƒƒƒƒƒƒƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒƒƒƒ‹ƒƒƒƒƒ‹ƒƒƒƒŒ


Charts:

 

 


Reactions & Comments:

 

Almost 80 percent of respondents use checking account services and savings account services in Pope county

 

No evidence that respondents that have employment outside the county have local checking accounts different from those who do not have employment outside the county.

 

Respondents from Sedan and Cyrus had significantly lower rates of Pope County checking account usage than other areas of the county.

 

There is evidence that people who work outside the county have a higher percentage of their investment services from outside Pope county. 

 

Mid level incomes tend to use investment services in the county more than those at higher incomes.

 

About 52 percent of respondents exclusively (high percentage of local usage)  use home loan services within the county.  About 31 percent use no home loan services in the county.

 

About 62 percent of respondents use consumer loan services exclusively within the county.  Those employed outside the county tend to have less within-county usage of this type of service.  Mid and lower incomes tend to use a higher proportion of local consumer loan services within the county than do those with higher incomes.

 

Drive up window service shows evidence of importance to respondents, but other services like electronic bill paying have not developed overwhelming support by Pope county residents.

 

 

Written Comments:

 

Other Factors Important to More Spending Locally on Financial Services:

*all satisfactory

*real people to deal with

*Ready reserve accts

*Competitive interest rates ex: 30 yr fixed rate at 6.25% or 10 year

variable at 8.25%;(Home Loan) The savings are too great to stay local.

*personnel

*totally free checking with free checks

*Longer Bank Hours

*local banks aren't as supportive to businesses and individuals

*try to get home loan here and they wouldnt be competitive. Told me to go to Alex, so I did.

*Please include returned envelopes with bills!!

 

What could be better about Pope County banking and financial services?

 

*more competitive interest rates for those in financial need

*that you should have to have an account to cash a check or pay to cash if you don't have an account

*all fits my needs-very satisfied

*Lower Interest

*Open later hours after 5:00

*not to charge for cashing for senior citizens.

*services are adequate for my needs

*We are very satisfied with the banking and financial services. ATMs are so

nice to use-wish there was one in Cyrus                                 

*Pope Co. has some of the best banks and employees ever to be found. No improvement necessary.

*more competative rates for all services

*Later banking hours and Saturday AM

*I am happy with my bank

*Longer business hours

*No comment-do not use

*Longer hours on Saturdays

*We are very happt with the banking in Pope County, although we do a little banking in Douglas for convienence.  We do all we can in Pope County!  Friendly, down home service with people who really care!

*Do not know other than its out of our way.                 

*I personally would rather stay in Glenwoos but when you are talking about several thousand dollar in 1 year savings on home mortgage who wouldn't shop elsewhere. If the banks can not offer this maybe they should connect with a mort. Co. and share profits.

*Be more competitive with Alex banks in rates for loans. Be less conservative when using consumer loans.

*Internet banking. Also have local businesses better equiped to handle debit and credit cards

*N/A works fine

*Longer hours

*reduced fees

*Open later at night

*nothing

*Lower loan rates(right up front)

*no problems                                                    

*Could be better for the farmers so we could get lower interest. We recently took out a loan and we couldn't get the cheaper interest now because we farm

*I will tell you we've done business all our lives with both 1st National in Starbuck mostly, but also Glenwood's Eagle bank and they are fine, honest, helpful and very good institutions. I think what we have is maybe a little above quota for our pop.

*do not judge a person by their last name or who their parents were. They should be fair to everyone not certain people. Only.

*better interest rates in all areas

*longer banking hours, immediate deposits credited to my account. Now if it's after 2:00 p.m. when your deposit it doesn't go in until the next business day and that may be from Friday to Monday.

*To care about the people and not just about what they can put in their own pockets

*Saturday Hours

*More aggressive banking - concern towards business- Ag related, home  loans, Business start-ups, etc.

*Interest in Savings (small % in passbook or C.D.), Loans big interest (How come?)

*Satisfied with what's being offered

*longer hours

*Atm in Villard

*Lower interest rates on mortgages

*Extended hours would be great and or some weekend hours.  That would help some of us that work full time and some that work out of town.

*in many instances more comparable interest rates in savings- etc.  *Something* vary so- perhaps on loans too.

*ATM available in Villard

*banking is fine

*extended evening and weekend hours woud be a great benefit       

*Some banks have a number to call in and obtain your blanace for the day - would be nice.

*It is pretty good - basically satisfied

*longer hours

*Lower interest on loans

*extended hours every day, better home loan percentage rates

*none banking at the First National Bank of Starbuck

*work with younger people a little better

*very satisfied with current banking and financial services in Starbuck - Bremer and Dinsmore and Thompson

*more investments available; better confidentiality

*open later or open saturdays for people who work until late in the afternoon.                                              

*Advertising of competitive interest rates and other financial planning packages available.

*Extended hours before or after school

*Open on Saturdays

*not much-they're pretty good.  Go Eagle Bank!  Glenwood State could be open longer.

*More parking, extended hours

*services are adequate

*interest rates, Ck book interest, no checking charges

*banking is good enough the way it is

*Better hours- I.e. it would be more convienent if ther banks were open one or more hours per day.

*nothing

*competitive pricing on savings and loan products. 

*longer hours

*extended hours would be great and/or some weekend hours. That would help those of us who work full-time and some who work out-of-town