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Morrill & Janes Bank
  1. Family-owned or closely-held businesses.

  2. Primary location within the greater Kansas City  and Northeast Kansas area.

  3. At least 5 years in business - at least 4 of which should be profitable.

  4. Annual revenues of $2.5MM to $75MM.

  5. Borrowing needs generally of $250,000 to $8,000,000.

  6. Relationship based with daily depository activity.

  7. Positive Net Worth with reasonable leverage.

  8. Lending relationships secured with collateral.

  9. Good commercial credit underwriting characteristics.