A native Missourian, Tammy Kilgore was born to Jerry and Wilma Elsea in Kirksville and grew up with her brother, Kevin, on a farm outside Green Castle. She graduated from Northeast Missouri State University (now Truman State University) with a two-year accounting and data processing degree and then from the University of Nebraska at Omaha with a Bachelor of Science in Business Administration with a concentration in accounting. Her accounting degree assisted her in becoming a Certified Public Accountant, licensed in Missouri and Nebraska. Additionally, she is a Certified BSA/AML Professional. She was also Secretary and Board President of the Green City School Board for 17 years. Presently, Tammy has 25 years of experience working in banking, plus another four years performing banking audits while she worked in public accounting. No one in Tammy’s family is in the banking industry; she is a first-generation banker. While attending college, a friend introduced her to banking. Her experiences of seeing customers’ appreciation, whether they received good service, or a loan for a new home, business, or toy, confirmed her career path. Tammy recognized that there is a lot to banking; it involves all areas and is constantly changing. She knew banking would provide challenges, and as she gained more knowledge, she continued to be intrigued by the banking world. So she took the opportunity while working during college to learn as much as possible. Tammy started as a teller and then progressed to head teller, new accounts, investment entries and loan processor. She soon realized that to advance further in her career, she would needmore education and a four-year degree. Shemade themove to Omaha, Nebraska, when she was accepted to the University of Nebraska.This small-town country girl anxiously headed to the big city. She landed a position with a bank that was part of a Seven Bank Holding Company in four states. While there, she continued working in new accounts and quickly learned all about cross-selling the bank’s products, including the trust and financial services available. She earned the recognition of Top Sales for two years. Later, when upper management realized she would graduate with a BSBA specialization in accounting, she was given the opportunity to work in the bank’s accounting department. This was where Tammy experienced her first Core software conversion. During this process, she put forth the extra effort to learn all she could about the software. She created procedure manuals for all new account products. She also recognized that it is best to have all applications balance during conversion and not go to a force balance account. She learned the specific interfaces of transaction codes for all applications and told herself that if she MIBA sat down recently with Tammy Kilgore to discuss banking, our association, and life in general. She is presently Senior Vice President of farmbank and is a licensed CPA in Missouri and Nebraska. For 30 years, she has been married to her husband, Steve (who, for 45 years, has owned and operated a Black Angus cow/calf business), and has two children, Grant (29) and Raeann (26). Tammy enjoys spending time with her family, both indoors and outdoors and has a great love for horses. She and her family enjoy riding their Single Foot/Racking Horses, whether on their farm, on the local trails or throughout Missouri and surrounding states. They’ve even been seen in local parades. She likes taking trips, boating and swimming, and is fond of relaxing with a good book or watching a movie. We’re thankful she spent some time with us and hope you enjoy learning about her as much as we did. A BACKGROUND ON TAMMY KILGORE – SR. VICE PRESIDENT, FARMBANK 14 | The Show-Me Banker Magazine
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