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TO
"SHOP NAKED"©
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NOW FOR YOUR VIEWING PLEASURE…
BIG PENNY LOT
TAKE ONE OR ALL
"WHO SAYS THAT WE DON'T GIVE AWAY SAMPLE?"
1968D
FINANCE YOUR NEXT CAR @
FIRST NATIONAL BANK
BURR, IOWA
MEMBER FDIC
BUSINESS CARD NOVELTY
+++PLUS+++
HOME FEDERAL
SAVINGS SUPERMARKET
SPRING VALLEY, MN
SERVING MINNESSOTA & IOWA
(2) two UNCIRCULATED
1968 D
LINCOLN CENT
ON A BUSINESS CARD
IT READS:
"A start toward another savings investment. $999.98 more and you'll have $1000."
+++PLUS+++
LITTLETON COLORADO
LHC 2009 P&D 8 COIN SET
NEW IN PACKAGE
+++PLUS+++
HALF SPHERE
BRILLIANT UNCIRCULATED
1976 D
LUCITE PAPERWEIGHT
ABOUT 4" ROUND
SOME 40 COINS +/-
+++PLUS+++
SQUARE CUBE
BRILLIANT UNCIRCULATED
1972
2" X 2"
LUCITE PAPERWEIGHT
FYI
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HFSB
Our Story
Home Federal Savings Bank, the sole operating subsidiary of HMN Financial, Inc., was originally chartered in 1934. The bank, founded in Spring Valley, Minnesota, as Home Federal Savings and Loan Association, has steadily grown to become one of the largest thrifts in the state.
In March, 1934, a number of Spring Valley businessmen met in the commercial rooms over the State Theater to hear a talk by Mr. C.H. Ellingson, a United States government official employed by the Federal Home Loan Bank Board of Washington, DC. Mr. Ellingson had been requested to address the club on the subject of organizing a Federal Savings and Loan Association for Spring Valley and the surrounding territory. The Great Depression was at its height, and money for home loans was very scarce. The objective of the federal government was twofold. First, to set up a means of providing credit for financing the construction of homes, thus giving employment to laborers and also business to material dealers. Secondly, to provide a safe place for the investment of the limited funds of local savers so the money would remain in the community and be put to use here. The idea appealed to the men present at the meeting, and a modest amount of capital was raised locally.
Shortly thereafter, a Federal Charter was secured and the Secretary of the Treasury of the United States invested a total of $250,000 in the Association, all of which funds have since been repaid to the federal government.
Branch offices were authorized and opened in Austin in 1937, Rochester in 1940 and 1978, Winona in 1973, La Crescent in 1975, Albert Lea in 1990, Marshalltown, IA in 1997, Rochester in 2001, 2006, and 2008, Eagan in 2007, and Kasson in 2015.
In June 1994, the bank converted from a mutual savings bank to a public stock institution.
Products and services offered by Home Federal Savings Bank today include a full range of retail deposits and loan services, business banking/commercial services, savings, certificates of deposit, checking, retirement savings and IRAs. Home Federal also offers its clients additional services such as Debit MasterCard, Visa credit cards, ATM cards, internet banking, safe deposit boxes, investment services, and much more….
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The United States one-cent coin, commonly known as a penny, is a unit of currency equaling one one-hundredth of a United States dollar. The cent's symbol is ¢. Its obverse has featured the profile of President Abraham Lincoln since 1909, the centennial of his birth. From 1959 (the sesquicentennial of Lincoln's birth) to 2008, the reverse featured the Lincoln Memorial. Four different reverse designs in 2009 honored Lincoln's 200th birthday and a new, permanent reverse – the Union Shield – was introduced in 2010. The coin is 0.75 inches (19.05 mm) in diameter and 0.061 inches (1.55 mm) in thickness.
The U.S. Mint's official name for a penny is "cent" and the U.S. Treasury's official name is "one cent piece". The colloquial term penny derives from the British coin of the same name, the pre-decimal version of which had a similar value. In American English, pennies is the plural form, other plural forms pence and pee (standard use in British English) are not used.
As of 2012, it costs the U.S. Mint 2.00 cents to make a cent because of the cost of materials and production. This figure includes the Mint’s fixed components for distribution and fabrication, estimated at $13 million in FY 2011. It also includes Mint overhead allocated to the penny, which was $17.7 million for 2011. Fixed costs and overhead would have to be absorbed by other circulating coins without the penny. The loss in profitability due to producing the one cent coin in the United States for the year of 2012 was $58,000,000. This was a slight decrease from 2011, the year before, which had a production loss of $60,200,000.
In honor of the Lincoln cent's 100th anniversary, special 2009 cents were minted for collectors in the same composition as the 1909 coins.
The isotope composition of early coins spanning the period of 1828 to 1843 cents reflects that of copper from Cornwall ores from England while coins after 1850 that from the Keweenaw Peninsula, Michigan ores, a finding consistent with historical records.
In 1943, at the peak of World War II, zinc-coated steel cents were made for a short time because of war demands for copper. A few copper cents from 1943 were produced from the 1942 planchets remaining in the bins. Similarly, some 1944 steel cents have been confirmed. From 1944 through 1946, salvaged ammunition shells made their way into the minting process, and it was not uncommon to see coins featuring streaks of brass or having a considerably darker finish than other issues.
During the early 1970s, the price of copper rose to a point where the cent contained almost one cent's worth of copper. This led the Mint to test alternative metals, including aluminum and bronze-clad steel. Aluminum was chosen, and over 1.5 million of these pennies were struck and ready for public release before ultimately being rejected. The proposed aluminum pennies were rejected for two reasons: vending machine owners complained the coins would cause mechanical problems; and pediatricians and pediatric radiologists pointed out that the radiodensity of the metal inside the respiratory and gastrointestinal tracts was close to that of soft tissue, and the coins would therefore be difficult to detect in X-ray imaging. One aluminum cent was donated to the Smithsonian Institution.
The cent's composition was changed in 1982 because the value of the copper in the coin started to rise above one cent. This was mainly caused by inflation. Some 1982 pennies used the 97.5% zinc composition, while others used the 95% copper composition. With the exception of 2009 bicentennial cents minted specifically for collectors, United States cents minted after 1982 have been copper-plated zinc. Although this was initiated because of the cost of producing 95% copper cents, as of 2012, each cent costs approximately 2.00 cents for the mint to produce.
Distinguishing between the bronze and copper cents and the newer, zinc cents can be done by dropping the coin on a solid surface. The predominantly copper coins produce a higher-pitched ringing sound, while the zinc coins make a lower-pitched "clunk". In addition, a full 50-cent roll of pre-1982/3 coins weighs 5.4 oz compared to a post-1982–83 roll which weighs 4.4 oz.
When the Lincoln one-cent coin made its initial appearance in 1909, it marked a radical departure from the accepted styling of United States coinage, as it was the first regular coin to bear a portrait other than the mythical Liberty, which appeared on most pre-1909 regular coins. (Even the so-called Indian Head of the Indian Head cent it replaced depicted Liberty as a Native American. The Sacagawea dollar depicts a historical person, and is the first U.S. circulation coin to honor a specific Native person, although there are no known portraits of Sacagawea. The Indian Head nickel depicts an idealized Indian chief rather than a specific person.) Previously, a strong feeling had prevailed against using portraits on coins in the United States, but public sentiment stemming from the 100th anniversary celebration of Abraham Lincoln's birth proved stronger than the long-standing tradition.
A variety of privately minted tokens bearing Lincoln's image circulated as one-cent pieces during Lincoln's presidency; legitimate coinage had become scarce during the Civil War. These early tokens undoubtedly influenced the denomination, appearance, size, and composition of Lincoln cents.
Theodore Roosevelt, the 26th US President, thought American coins were so common and uninspiring that he attempted to get the motto "In God We Trust" removed as offending religion. Roosevelt had the opportunity to pose for a young Lithuanian-born Jew, Victor David Brenner, who, since arriving nineteen years earlier in the United States had become one of the nation’s premier medalists. Roosevelt had learned of Brenner's talents in a settlement house on New York City's Lower East Side and was immediately impressed with a bas-relief that Brenner had made of Lincoln, based on a Mathew Brady photograph. Roosevelt, who considered Lincoln the savior of the Union and the greatest Republican President and who also considered himself Lincoln’s political heir, ordered the new Lincoln cent to be based on Brenner's work and that it go just in time to commemorate Lincoln’s 100th birthday in 1909. The likeness of President Lincoln on the obverse of the coin is an adaptation of a plaque Brenner executed several years earlier and which had come to the attention of President Roosevelt in New York.
In addition to the prescribed elements on U.S. coins – LIBERTY and the date – the motto In God We Trust appeared for the first time on a coin of this denomination. Of interest also is the fact that the United States Congress passed the Act of March 3, 1865, authorizing the use of this motto on U.S. coins[citation needed], during Lincoln's tenure in office.
Even though no legislation was required for the new design, approval of the Secretary of the Treasury was necessary to make the change. Franklin MacVeagh gave his approval on July 14, 1909, and not quite three weeks later, on August 2, the new coin was released to the public.
In 1918, after the controversy over Brenner's name and initials on the reverse had died down, his initials were placed on the obverse with no further controversy. They are to be found in minute form on the rim of the bust, just under the shoulder of Lincoln.
In 1969, the design was revised to make Lincoln look more like Brenner's original sculptures.
Mint errors specific to Lincoln cents
Through mint errors, a number of rare and valuable Lincoln Cents have been produced. Some random errors, such as an off-center strike, slightly increase the value of the coin, and are sought after by niche collectors. However some errors were systemic, and produced a number of coins with exactly the same problem in the same year. These have become recognized varieties that are often extremely valuable and sought after by mainstream collectors.
The first Doubled Die error occurred during the production of the 1909 VDB. Not identified until the 1970s, it shows the RTY in Liberty and the 190 of the date slightly doubled. This coin is extremely rare in high grades.
In 1922, no one-cent coins were produced by the Philadelphia Mint. However, three pairs of Denver Mint worn and overly polished dies then produced the Weak D and No D varieties, making them appear as if they had been produced in Philadelphia. These varieties are known as the 1922 plain cents. Collectors must be wary of removed mint marks.
There are a few 1943 cents that were produced in bronze, as opposed to the steel/zinc composition used that year. There are 10 to 12 known to exist. Likewise, a few 1944 cents were produced in steel/zinc.
In 1955, a hubbing error caused some cents to get struck with an obverse die which showed doubling in all of the obverse devices, producing a prominent doubling of the date, and to a less noticeable degree, the rest of the obverse. This is known as the 1955 doubled die cent. A similar die error occurred in 1969 on dies used at the San Francisco Mint. While the 1955 doubled die cent is well-known and widely collected, the 1969-S doubled die is far rarer, with an uncirculated specimen selling for as much as $126,500 in a 2008 Heritage auction. A slightly different mechanism produced 1972, 1983, 1984, and 1995 Doubled die cents. Doubled Dies are known in practically every date in the Lincoln cent series, but most are minor, and less impressive compared to the 1955 and the other Doubled Die varieties mentioned here.
In 1990, 3,055 proof cents were struck at the San Francisco Mint without the "S" mint mark, making them appear as if they had been struck at the Philadelphia Mint. However, as no proof cents were struck in Philadelphia that year, they are easily distinguishable as errors, and highly valuable.
The reverse of some Lincoln cents minted in 1992 at the Philadelphia and Denver mints and some of those minted in 1998 and 1999 at the San Francisco mint feature a smaller-than-normal gap between the first two letters of AMERICA. These coins, known as the Close AM variety are valued at $20,000 and $5,000 for the 1992 specimens in gem uncirculated condition and $3,000 and $1,000 for the San Francisco specimens in gem proof condition.
The reverse of some Lincoln cents minted in 1998, 1999, and 2000 in Philadelphia feature a larger-than-normal gap between the first two letters of AMERICA. These coins, known as the Wide AM variety are valued at $10, $500, and $5, respectively, in gem uncirculated condition.
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