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Show Thursday, March 24, 1983 THE HERALD, Prove. Utah, Provoan Simon K. Benson s Provoan Manager Of Zions Bountiful Bank His- tory of Parowan, his birthplace, is by the Parowan being Daughters of Utah Pioneers. Benson wrote the book in the 1970s and published two editions. The pioneer community is known as The Mother Town because it was settled first of the far southern Utah Mormon communities and most of them spread out from it. Included were Mormon settlements which eventually became detached from early Utah Terri William H. Talbot, Provo, has been promoted to second vice president and manager of the Bountiful office of Zions First tory, including Las Vegas and several in Arizona. For the new edition published by the Parowan Daughters of Utah Pioneers. Benson has added an index and many pictures. the book should contact Mrs The author said all proceeds from the new addition will go to the upkeep and restoration of the old Parowan LDS rock church, long a landmark in the area. Anyone wishing to get a copy of Luella Adams Dalton of the Parowan Daughters of Utah Pioneers. Parowan is also the birthplace of Utah's Governor Scott M. Matheson. National Bank, according to Roy W. Simmons, chairman of the board. Talbot joined Zions Bank in 1982 Wells of Panguitch, Talbot received a B.S. degree in economics with a minor in business management and accounting from Brigham Young University in 1968. He also attended West Valley College, Saratoga, California. A native F Safety And High Yield 100 Government Guaranteed First Security Corp. -, A-- 1 A-- l. Standard & Poor's said the rating changes reflect primarily a material increase in First Security's nonperforming and past-du- e loans. Tucker said First Security agrees with Standard & Poor's regarding the increased volume of nonperforming loans. "We would like to point out, however, that these problems are a direct result of the economic decline experienced throughout the country, and that these nonperforming assets are primarily and thus, losses should be held to a minimum. "We feel good about the value of the underlying security and are optimistic about the economy of the Intermountain West, where most of the real estate is located," Tucker said. He added' that, "The region's economy has already turned the corner and will be in the forefront of the nation's recovery." Tucker said that despite an increase in nonperforming assets, First Security's capital ratio increased from 7.05 percent at the end of 1981, to 7.24 percent at 1982. He said the comyear-en- d on assets in 1982 was return pany's 1.08 percent, and earnings for the year were up from the prior year even after an income reduction of 45 cents per share related to the nonperforming assets. Loan loss reserves were also increased in 1982 from .86 percent loans to 1.08 of outstanding Tripled Checking FREE CHECK WRITING PRIVILEGES Answers Statement - Corporation, said Standard & Poor's Thursday lowered the rating on First Security Corporation's 9Vi percent convertible subordinated debentures due 2006 to A from AA- and on commercial paper of the company from SKUMTItS INCOME FUND GOVeRNMlNT William H. Talbot SALT LAKE CITY First Seofficials have Corporation curity issued a statement in response to the lowering by Standard & Poor's of the company's ratings on. commercial paper and subordinated debentures. Elmer D. Tucker, vice president and comptroller of First Security 7 annualized return paid monthly Talbot and his wife Leslie have four children. to per- cent, Tucker said. Instruments issued by First Security Corporation have enjoyed broad acceptance in the markets. 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