annual report

Transcription

annual report

annual report
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Community Bankers
Association of Illinois
“the driving force behind Illinois community banks”
“the driving force behind Illinois community banks”
Annual Report
2012 - 2013
Community Bankers Association of Illinois
CONTENTS
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CBAI Leadership
Chairman’s Commentary
Standing Committees and Staff
Legislation & Regulation
Community BancPac
CBAI FedPac
Education
Legal Link
Membership
Special Events
Communications
CBAI Foundation for Community Banking
CBAI Career Development Division (CDD)
Community BancService Corporation, Inc. (CBSC)
CBAI Leadership
Richard Jameson
William Wubben
Todd Grayson
CBAI First Vice
Chairman
and CBSC Chairman
CBAI Second Vice
Chairman
Tony Sisto
Jeff Rolczynski
Tom Marantz
Chicago Area
Vice Chairman
Northern Illinois
Vice Chairman
Central Illinois
Vice Chairman
CBAI Chairman
Kevin Beckemeyer
Southern Illinois
Vice Chairman
Gregg Roegge
Treasurer
Robert J. Wingert
Richard Hiatt
CBAI President
CBAI
Foundation for
Community
Banking Chairman
Mary Sulser
Immediate
Past Chairman
Kim McKee
CBAI Career
Development Division
Chairman
CBAI Board of Directors
EXECUTIVE COMMITTEE
CHAIRMAN - Richard Jameson, Morton
Community Bank
FIRST VICE CHAIRMAN - William Wubben,
Apple River State Bank
SECOND VICE CHAIRMAN - Todd Grayson,
South Central Bank, N.A., Chicago
REGIONAL VICE CHAIRMEN Tony Sisto, STC Capital Bank, St. Charles
Jeff Rolczynski, American Midwest Bank,
Sycamore
Tom Marantz, Bank of Springfield
Kevin Beckemeyer, Legence Bank, Eldorado
TREASURER - Gregg Roegge, Rushville
State Bank
IMMEDIATE PAST CHAIRMAN Mary Sulser, Buena Vista National Bank
of Chester
PRESIDENT - Robert J. Wingert, CBAI,
Springfield
GROUP DIRECTORS
(IN CBAI GROUP ORDER)
David Loundy, Devon Bank, Chicago
David Stanton, PeopleFirst Bank, Joliet
Dianna Torman, Prairie Community Bank,
Marengo
Cindy Martin, Lena State Bank
Tim McConville, First State Bank, Mendota
Doug Parrott, State Bank of Toulon
Mike Mahair, State Street Bank and Trust Co.,
Quincy
Jeff Bonnett, Havana National Bank
Dale Boyer, Arcola First Bank
Shawn Davis, CNB Bank & Trust, N.A., Carlinville
David Pirsein, First National Bank in Pinckneyville
Dan Graham, Flora Bank & Trust
Joe Leenerts, Herrin Security Bank
PAST CHAIRMEN
Dennis Hesker, First National Bank of Okawville
Robin Loftus, Security Bank, s.b., Springfield
Mike Estes, Fisher National Bank
ICBA STATE DIRECTORS
Gerald C. Johnson, Grand Ridge National Bank
Preston Smith, The First National Bank, Mattoon
CDD CHAIRMAN (ex officio) - Kim McKee,
North Central Bank, Hennepin (Ladd branch)
Affiliate Boards of Directors
COMMUNITY BANCSERVICE
CORPORATION, INC. (CBSC)
Bill Wubben, Chairman, Apple River State Bank
Gregg Roegge, Treasurer, Rushville State Bank
Ray Altmix, The Bank of Marion
Scott Arnold, Durand State Bank
Steve Backlund, Better Banks, Peoria
Burnel Beckman, The First National Bank of Dieterich
Drew Black, Princeville State Bank
Sheila Burcham, Community Trust Bank, Irvington
Patricia Clarke, First National Bank of Raymond
Will Coolley, Longview Capital Corporation, Newman
Jim Dingman, BankORION
John Dorsey, First National Bank of Staunton, Maryville
Ray Duncan, Hardware State Bank, Lovington
Larry Franklin, CNB Bank & Trust, N.A., Alton
Chris Gavin, Midwest Bank of Western Illinois, Monmouth
Chris Gordon, Franklin Bank
Todd Grayson, South Central Bank, N.A., Chicago
Rick Jameson, Morton Community Bank
Mike Kelley, CBSC, Springfield
Chad Martin, Goodfield State Bank
Jim Potts, National Bank of Petersburg
Jeff Rabenort, Farmers & Merchants National Bank of Nashville
Jerry Reed, First National Bank of Brownstown
Brad Rench, First Clover Leaf Bank, Edwardsville
Jeff Rolczynski, American Midwest Bank, Sycamore
Mary Sulser, Buena Vista National Bank, Chester
David Ward, North Central Bank, Hennepin
Jim Weast, Warren-Boynton State Bank, New Berlin
Bob Wingert, CBAI, Springfield
CBAI FOUNDATION
FOR COMMUNITY BANKING
Richard H. Hiatt, Chairman, Morton Community Bank
Phil Lehmann, Vice Chairman, The Harvard State Bank
Gregory Richardson, Treasurer, Fairfield National Bank
Sam Scott, Secretary, Scott State Bank, Bethany
Patricia Clarke, The First National Bank of Raymond
Gregg Roegge, Rushville State Bank
Kim McKee, North Central Bank, Hennepin (Ladd branch)
Robert J. Wingert (ex officio), CBAI
CAREER
DEVELOPMENT DIVISION (CDD)
(BOARD FROM MARCH, 2012 TO MARCH, 2013
IN CBAI GROUP ORDER)
Kim McKee, CDD Chairman, North Central Bank, Hennepin
(Ladd branch)
Ryan Beckemeyer, Legence Bank, Eldorado
*Joe Conroy, CCL, First Farmers State Bank, Minier
Tracy Downs, German-American State Bank, German Valley
Ben Drebes, Farmers National Bank, Griggsville
Kristen Eustis, First Federal Savings Bank, Ottawa
Dax Garrison, Community Trust Bank, Irvington
Karrie Herzog, Shelby County State Bank, Shelbyville
(CDD Secretary/Treasurer)
Julie Jordal, American Midwest Bank, Sycamore
Amy Logsdon, National Bank of Petersburg
Carla Nicholson, Flora Bank & Trust
Clint Squier, First Community Bank and Trust, Beecher
*CCL stands for Certified Community Lender a designation created to professionalize
the position of a community-bank lender
(For CDD Board of Directors after March 22, 2013,
see CDD Report on page 33.)
Chairman’s Commentary
CBAI is the Driving Force Behind
Illinois' Community Banks
Reasons for Optimism
Community banks have good reasons for
optimism this year. The financial and economic crisis has subsided as housing and
financial markets have stabilized. While community banks continue to be justifiably cautious in the lending sector, demand for good
loans has increased.
Rick Jameson,
Morton
Community Bank
Perhaps most importantly, certain actions taken during the past
12 months in Washington are providing community banks a
needed boost in optimism. The drumbeat for congressional
action to address CBAI's top two priorities, regulatory relief
and resolution of too-big-to-fail, have intensified due in large
measure to the determined efforts of community bankers
across America.
banks' internal control systems are monitored continually by bank examiners, they should not have to
sustain the unnecessary annual expense of paying an
outside audit firm for attestation work.
• requiring the Federal Reserve to revise the Small Bank
Holding Company Policy Statement by increasing the
qualifying asset threshold from $500 million to $5 billion. This will help ease capital requirements for small
bank and thrift holding companies.
• supporting the housing recovery by exempting from
any escrow requirements any first lien mortgage held
by a lender with less than $10 billion in assets; and
• providing “qualified mortgage” status under the
Consumer Financial Protection Bureau's (CFPB) abilityto-repay rules for any mortgage originated and held in
portfolio for at least three years by a lender with less
than $10 billion in assets.
The pervasive greed, risky behavior, and nefarious activities of
the mega banks have resulted in more regulations for all financial institutions, the abuse of free enterprise, and the near collapse of our economy. Never again should our nation experience such a crisis. However, the Dodd-Frank Act did not, and
will not, resolve too-big-to fail as the 10 largest mega banks
now control an incredible 70 percent of all U.S. banking assets.
More clearly needs to be done.
CBAI thanks Senators Durbin and Kirk for hearing our message
and their welcomed support for these important measures
which embrace tiered regulations based on bank size. These
positive actions happened because community bankers have
become more engaged in direct contact lobbying, thanks in
part to CBAI's great governmental relations team led by Kraig
Lounsberry. CBAI is among the few state associations nationwide that has a dedicated full-time federal governmental relations representative in David Schroeder, a dedicated and effective community-banking advocate.
Fortunately, several regulatory-relief measures have been introduced in Congress this year as part of ICBA's Plan for Prosperity, while other proposals have been introduced to end too-bigto-fail once and for all. The Brown-Vitter bill, introduced in
April during our annual Call on Washington, requires mega
banks to maintain 15-percent capital, compelling them to
downsize; CBAI urged Senator Richard Durbin (D-Ill.) to support the measure, and he obliged by becoming a sponsor.
Battle Line Bright
Never have the differences in trade association positions on
these issues been brighter or clearer than now. For example,
CBAI and ICBA advocate regulatory relief for community banks
through a combination of exemptions and reduced requirements based on bank size. However, the American Bankers
Association (ABA) opposes tiered regulations based on size
which only aids and abets its largest members.
More recently, the 21st Century Glass-Steagall Act was introduced by Senators Elizabeth Warren (D-Mass.) and John
McCain (R-Az.) which bars commercial banks from trading and
other capital-market activities. CBAI heartily supports both
measures. Although passage of these bills in their current
forms is unlikely, they have already spurred discussion and
debate and will influence the final outcome.
In addition, CBAI and ICBA support tiered-capital requirements
based on bank size (Brown-Vitter) and restoration of GlassSteagall (Warren-McCain), while the ABA does not, thereby siding with Wall Street over Main Street.
In late July, Senator Mark Kirk (R-Ill.), at the urging of CBAI,
joined with fellow U.S. Senate Banking Committee members
Jerry Moran (R-Kan.) and Jon Tester (D-Mont.) to sponsor the
Community Bank Lending Enhancement and Regulatory
(CLEAR) Relief Act which includes needed regulatory relief to
community banks. Important provisions include:
• exempting community banks with assets less than $1
billion from the Sarbanes-Oxley 404(b) internalcontrols assessment mandate. Because community
The battle line is bright, but community bankers must realize
that, without the autonomous representation for community
banks provided by CBAI and ICBA, there would be no line.
To combat these proposals, Wall Street has engaged its formidable resources by firing up its public-relations spin machine
and beefing up its lobbying Armada. Today, an estimated 2,000
lobbyists represent Wall Street mega financial firms in Washington, D.C. Despite this massive Wall Street campaign, lawmakers
and regulators alike recognize that TBTF is a serious problem
that must be resolved soon. For community-banking associations and their members, we must remain actively engaged in
the lobbying process because we are on the right side of
these issues.
Chairman’s Commentary (continued)
In conjunction with the ICBA, CBAI weighed in heavily on the
proposed Basel III capital regime by seeking an exemption for
community banks. Fortunately, the regulators listened and
ultimately granted important concessions to community banks
that are contained in the Federal Legislative section of this
Annual Report.
Under the Capitol dome in Springfield, the spring session of
the Illinois General Assembly was primarily an exercise in
blocking and tackling bills deemed counterproductive for community banks. CBAI's legislative proposals, which are
described in the State Legislative section of this Report, were
adopted and signed into law by the Governor.
During the veto session late last year, CBAI also negotiated a
community bank-friendly provision concerning the foreclosure of
abandoned residential properties whereby a tiered fee system was
established based on the number of foreclosure filings per year.
As a result, community banks pay the lowest fees, constituting a
major victory for CBAI and community banks.
The participation of CBAI members in the legislative/regulatory
arena has been fantastic this year; from policy development to
direct lobbying to campaign contributions, banker involvement
has made a huge difference to the benefit of this great profession.
Membership Remains Strong
With 385 members at fiscal year-end, CBAI represents a record
70 percent of all bank and thrift charters in Illinois. CBAI's
member contact program was markedly expanded with the
addition of Andy Burkett, former national sales manager with
CSI, as a calling officer in the southern half of the state. And
just this summer, Lesa Black, former bank accountant and community banker, joined the calling team to serve the northern
half of Illinois outside the Chicago area. Long-time member
relations calling officer Terry Griffin is now entering her 17th
year of excellent service in the Chicago market. Through these
fine representatives, and the adept coordination and administration of Andrea Cusick, CBAI is committed to visiting with
every member each year.
Utilization of Educational Services Grows
CBAI emphasizes quality education for community bankers.
More than 7,600 bankers attended educational sessions during
the fiscal year, and 94 percent rated the programs as “excellent” or “very good.” The Community Bankers for Compliance
(CBC) Program, a successful collaboration with Young & Associates for the past quarter-century, experienced significant
growth in member participation this year as more compliance
officers recognized the importance of first-rate, comprehensive
compliance training. As an enhancement to the CBC Program,
last spring, CBAI and Young partnered with Continuity Control
which offers a fantastic compliance-automation platform.
Tracy McQuinn and her experienced staff are second-to-none
when it comes to developing educational programs for community bankers.
CBAI Foundation Capital Campaign Launches
Last year, the CBAI Foundation, capably chaired
by Rick Hiatt of Morton
Community Bank, announced its commitment to expand the
scholarship program in conjunction with a new fund-raising
campaign. The Campaign, which will swing into high gear
later this year, is being chaired by Sam Scott of Scott State
Bank in Bethany, a CBAI past chairman. The commitment
became reality this year with a doubling of the number of
scholarships awarded.
Thanks to material donations from SHAZAM and BancVue, the
SHAZAM Scholarship and BancVue Scholarship will now be
awarded each year for the next 25 years to children of CBAI
member-bank employees and directors.
In addition, generous donations by THE BAKER GROUP and
the Federal Home Loan Bank of Chicago have resulted in the
establishment of the Community Bankers School Annual Scholarship for officers of CBAI members that have contributed to
the Foundation.
Special Services Growing and Expanding
Members receive significant benefits from the services offered
by Community BancService Corporation (CBSC), perhaps the
premier community bank services organization in the nation
today under the experienced direction of Mike Kelley.
CBSC's partnership with Nicoud Insurance has flourished with
excellent growth and retention rates as more community
bankers realize the need for a professional assessment of their
insurance exposures. In addition, new services will soon be
launched that address important vulnerabilities in the community bank operation: outsourcing technology support and
advice, and outsourcing 401(k) plan administration. These programs were researched and vetted by the CBSC board of 33
community bankers and negotiated by management and will
be officially announced during the 39th Annual Convention in
Springfield on September 26-28, 2013.
CBAI — The Driving Force
Serving as CBAI chairman for nearly a year now has borne out
two absolutes: 1) community banks must have autonomous
representation, and CBAI is the driving force behind that representation for Illinois community banks; and 2) the community
banking profession is materially important to the future wellbeing of our nation, and we must work together to keep our
profession vibrant whether $10 million in assets or $10 billion
in assets.
My thanks and appreciation go out to all community bankers
who support the cause through your membership and volunteer efforts on the various fronts. You are truly special.
CBAI Standing Committees
AGRICULTURE
Todd Grayson, Chairman, South Central Bank, N.A., Chicago
Dick Anderson, Anderson State Bank, Oneida
Joe Conroy, CCL, First Farmers State Bank, Minier
Blain Cornwell, First National Bank in Taylorville
Mike Estes, The Fisher National Bank
Robert Heckler, Shelby County State Bank, Shelbyville
Dennis Hesker, The First National Bank of Okawville
Mark Lawver, Table Grove State Bank
John Marshall, Bank of Pontiac
Tony McLain, Gifford State Bank
Rob Murray, Citizens State Bank of Milford
Jerry Reed, The First National Bank of Brownstown
David Rennegarbe, First National Bank of Okawville
Kent Siltman, Citizens First State Bank of Walnut
Doug Smith, Farmers National Bank of Griggsville
Eric Stalter, The Fisher National Bank
Robert Sullivan II, Oak Bank, Chicago
John Williams, Jacksonville Savings Bank
Bill Wubben, Apple River State Bank
AUDIT
Mary Sulser, Chairman, Buena Vista National Bank, Chester
COMMUNICATIONS
Kevin Beckemeyer, Chairman, Legence Bank, Eldorado
Randy Alderman, Bradford National Bank, Greenville
Mark Altadonna, State Bank of Waterloo
Debbie Devers, Capaha Bank, S.B., Tamms
(Cape Girardeau, MO branch)
Laura Elam, Morton Community Bank
Mike Fleming, Litchfield National Bank
Jolleen Montgomery, BankORION
Nichelle Nichols-Humphrey, State Bank of Toulon
Hanna O'Brien, CNB Bank & Trust, N.A., Carlinville
Delmar Sandage, Buena Vista National Bank, Chester
(Decatur branch)
Angela Truluck, First National Bank of Steeleville
EDUCATION
Jeff Rolczynski, Chairman, American Midwest Bank, Sycamore
Beth Cotner, Scott State Bank, Bethany
Don Dinges, Farmers State Bank of Sublette
Didi Drake, Bank of Chestnut
Maria Eckert, First Bankers Trust Co., N.A., Quincy
Shari Ferry, First National Bank in Staunton
Lisa Frerking, Citizens Community Bank, Mascoutah (Freeburg branch)
Kelly Green, Herrin Security Bank
Gwyn Helton, Shelby County State Bank, Shelbyville
Rick Klinedinst, MidAmerica National Bank, Canton
Janice Lampe, Morton Community Bank (Toluca branch)
Rebecca Lowrance, CNB Bank & Trust, N.A., Carlinville
Lloyd Murphy, Tuscola National Bank
Doug Smith, Farmers National Bank, Griggsville
Amy Thiede, Prairie Community Bank, Marengo
FINANCE
Gregg Roegge, Chairman, Rushville State Bank
Dennis Hesker, The First National Bank, Okawville
LEGISLATION & REGULATION
Bill Wubben, Chairman, Apple River State Bank
Frank Appleby Jr., The Peoples' Bank of Arlington Heights
Jim Ashworth, CNB Bank & Trust, N.A., Carlinville
Joy French Becker, Farmers State Bank & Trust Co., Jacksonville
Lesa Black, Princeville State Bank
Mike Breisch, Mazon State Bank
Frank Cerrone, Pan American Bank, Chicago
Betty Chow, Pacific Global Bank, Chicago
John Dorsey, First National Bank of Staunton
Keith Douglass, Tompkins State Bank, Avon (Galesburg branch)
Tracy Downs, German-American State Bank, German Valley
Alexis Fasseas, North Community Bank, Chicago
Mark Field, The Farmers Bank of Liberty
Matt Gambs, Diamond Bank, FSB, Chicago
Dennis Guthrie, Illini Bank, Springfield
Gerry Johnson, Grand Ridge National Bank
Dan Koenigstein, The First National Bank of Dieterich
(Belleville branch)
Jason Knoedler, Bank of Springfield
Steve Koehn, First Community Bank & Trust, Beecher
Tony Liberatore, Illini Corp., Springfield
Chris Phelps, State Bank of Niantic
Jeff Rabenort, Farmers and Merchants National Bank of Nashville
Rick Remijas Jr., Park Federal Savings Bank, Chicago
Ken Scott, Preferred Bank, Casey
Kent Siltman, Citizens First State Bank of Walnut
Bill Smith, HomeStar Bank and Financial Services, Manteno
Mark Spehr, First Community Bank, Elgin
Hank Stephens, The First National Bank of Dieterich
Jeff Sterling, German-American State Bank, German Valley
(Pecatonica branch)
Steve Swinney, State Bank of Whittington, Benton
Susan Volkert, Bank of Montgomery
MEMBERSHIP
Tony Sisto, Chairman, STC Capital Bank, St. Charles
Tom Runde, Teutopolis State Bank
David Stanton, PeopleFirst Bank, Joliet
CBAI Standing Committees (continued)
PENSION COMMITTEE
Rick Jameson, Chairman, Morton Community Bank
Rick Hiatt, Morton Community Bank
Ron Minnaert, State Bank of Graymont
SPECIAL EVENTS
Tom Marantz, Chairman, Bank of Springfield
Mary Ann Flynn, The Peoples' Bank of Arlington Heights
Mike Mahair, State Street Bank & Trust Co., Quincy
Jeff Rabenort, Farmers & Merchants National Bank, Nashville
Dianna Torman, Prairie Community Bank, Marengo
Pam Turner, Citizens First State Bank, Walnut
Brian Ury, First National Bank in Staunton
Julie Welborn, The Fisher National Bank
STRATEGIC PLANNING
Consists of all members of the CBAI, CBAI SMG, CBSC and CBIS
Boards of Directors, plus the following past chairmen of CBAI:
Jim Caspary, First Trust & Savings Bank, Watseka
David Combs, First National Bank in Taylorville
Gary Edwards, The State Bank of Lima
Gerry Johnson, The First National Bank, Grand Ridge
Roger Lehmann, The Harvard State Bank
Art Murray, Citizens State Bank of Milford
Fred Paige, Farmers State Bank, Elmwood
Paul Pogue, North Adams State Bank, Ursa
David Schroeder, CBAI, Springfield
Sam Scott, Scott State Bank, Bethany
Jim Shafer, The First National Bank in Tremont
Ed Williams, Farmers State Bank of Alto Pass, Harrisburg
Jim Winningham, State Bank of Arthur
TECHNOLOGY
Mary Sulser, Chairman, Buena Vista National Bank, Chester
Burnel Beckman, The First National Bank of Dieterich
Rick Catt, First Robinson Savings Bank, N.A., Robinson
Tanya Cowan, Buena Vista National Bank, Chester
Tracy Dow, The First National Bank, Mattoon
Tod Eastman, HomeStar Bank, Manteno
Dan Fischer, Better Banks, Bartonville
Ron Hallam, Fairfield National Bank
John Hampson, American Enterprise Bank, Buffalo Grove
Ed Heck, First National Bank of Nokomis
Ryan Heiser, The Fisher National Bank
Matt High, Citizens State Bank of Milford
Gerry Johnson, Grand Ridge National Bank
Sarah O'Brien, American Midwest Bank, Sycamore
Joe Peterson, Morton Community Bank
Jake Pietkiewicz, The First National Bank in Paxton
Don Roch, Havana National Bank
Phil Smith, The Harvard State Bank
Matt Turley, CNB Bank & Trust, N.A., Carlinville
AG LENDERS' CONFERENCE SUBCOMMITTEE
Doug Smith, Chairman, Farmers National Bank, Griggsville
Jennifer Beard, Farmers State Bank, Elmwood
Kerry Hoops, CCL, German-American State Bank, German Valley
Alan Hoskins, Legence Bank, Eldorado
Ron Rinkenberger, State Bank of Toulon
CHICAGO-AREA EDUCATION SUBCOMMITTEE
Amy Thiede, CCL, Chairman, Prairie Community Bank, Marengo
Ron Cerutti Jr., American Midwest Bank, Sycamore
Kathy Hardy, The Leaders Bank, Oak Brook
Jeanne Lewis, Glenview State Bank
Maliea Penuela, State Bank, Wonder Lake
Barbara Peryer, CenTrust Bank, Deerfield
EDUCATION AUDITING SUBCOMMITTEE
Lisa Frerking, Chairman, Citizens Community Bank, Freeburg
Audrey Brueggeman, The Farmers & Merchants National Bank,
Nashville
Angela Lampley, The Bank of Herrin
Patricia Whitehurst, National Bank of Petersburg
EDUCATION MARKETING SUBCOMMITTEE
Maria Eckert, Chairman, First Bankers Trust Company, N.A., Quincy
Erin Dahms, State Bank, Freeport
Debbie Devers, Capaha Bank, s.b., Tamms
Dena McDonald, First Farmers State Bank, Minier
(Bloomington branch)
Kim McKee, North Central State Bank, Hennepin (Ladd branch)
Ann Scholtes, Bank of Pontiac
Angela Truluck, First National Bank of Steeleville
COMMUNITY BANKERS SCHOOL SUBCOMMITTEE
Didi Drake, Chairman, Bank of Chestnut
Neal Beer, Goodfield State Bank
Jennifer Bitter, The First National Bank, Litchfield
Travis Cooley, The Farmers Bank of Liberty
Julie Eilers, Spring Valley City Bank
John Harris, Farmers State Bank of Hoffman
Angela Lampley, The Bank of Herrin
Teresa Lovekamp, Midland Community Bank, Kincaid
(Taylorville branch)
Jennifer Loveless, The Citizens National Bank, Dayton, OH
Rick McGuigan, Community Bankers of Wisconsin
Runay Olson, ICBA, Sauk Centre, MN
Erin Pinter, CCL, Spring Valley City Bank
Terry Prosise, Community First Bank of the Heartland, Mt. Vernon
Shellie Richelman, First State Bank of Campbell Hill
Jessica Schulze, The Fisher National Bank
Mary Smid, Henry State Bank
Jodi Swilley, Community Bankers Association of Georgia
WOMEN IN BANKING SUBCOMMITTEE
Beth Cotner, Chairman, Scott State Bank, Bethany
Kate Alsup, West Central Bank, Ashland (Springfield branch)
Jennifer Beard, Farmers State Bank, Elmwood
Stephanie Hoover, Illini Bank, Springfield
Suzy Perino, Sauk Valley Bank, Sterling (Rock Falls branch)
Sally Quinn, Security Bank, s.b., Springfield
Erin Pinter, CCL, Spring Valley City Bank
Staff
CBAI STAFF
Robert J. Wingert, President
Jerry Cavanaugh, General Counsel
Levette Shade, Paralegal
Lisa J. Lippert, C.P.A., Controller
Administrative Assistant: Linda McCord
Jenny Dial, Senior Vice President Operations
Administrative Assistants: Melissa Roberts and Linda McIntosh
Office Support Assistant: Stacy Henson
Kraig Lounsberry, Senior Vice President Governmental Relations
Megan Peck, Vice President Governmental Relations
David Schroeder, Vice President Federal Governmental Relations
David Manning, CBAI Legislative Consultant
Administrative Assistant: Jessie Schmidt
Tracy McQuinn, Senior Vice President Education & Special Events
Valerie Johnston, Vice President Education & Special Events
Melinda McClelland, Vice President Education & Special Events
Administrative Assistants: Rebecca Ridgeway and Jennifer Nika
Andrea Cusick, Senior Vice President Communications
(Banknotes Editor; Foundation Administrator)
Administrative Assistant: Bobbi Watson
Terry Griffin, Vice President Chicago Area Representative
CBSC STAFF
Michael W. Kelley, President
Michael E. Duke, Vice President, Member Services
Andy Burkett, Vice President, Member Services
Administrative Assistant: Judy Wheaton
Legislation & Regulation
STATE
The Illinois General Assembly concluded the 2013 Spring Session on Friday May 31. As usual, final days and weeks were
busy and included a litany of hot button issues: the fiscal year
2014 state budget, pension reform, concealed carry, hydraulic
fracturing, gay marriage, gaming, using hand held cell phones
while driving, economic development, medical marijuana, and
Medicaid expansion.
The final FY14 budget represents $35.6 billion in GRF spending which includes approximately $12.1 billion for Human Services, $6.6 billion for education, and an additional $2.77 billion
for a capital program (HB 2869). The bond program includes
$2.23 billion in General Revenue bonds for roads, universities,
school construction and other projects and $543 million in
Build Illinois bonds for member initiatives and other projects.
While the bulk of the budget process was conducted in a bipartisan fashion, Republicans in both chambers were excluded
from the final discussions and the Democratic super-majorities
successfully negotiated and approved the final budget generally along partisan lines. The financial outlook briefly brightened
in April when a stronger-than-expected April tax season gave
Illinois an unexpected, one-time boost of $1.5 billion in revenue. Republicans and Democrats differed on how to best use
this additional revenue. In the end, $600 million of the revenue
from the April tax boost was used to pay off old humanservices bills with the remainder being incorporated into the
revenue estimate for next fiscal year and to defer some of the
proposed cuts to education and corrections funding.
Once again the General Assembly was not able to deliver a
comprehensive pension reform plan to the governor's desk.
Despite months of negotiations and numerous attempts, comprehensive pension reform failed to pass in both chambers.
Speaker Madigan's plan, contained in SB 1, passed the House
but failed in the Senate by a vote of 16-42. Senator Cullerton's
plan (SB 2404) passed the Senate but was not called for a vote
in the House. Governor Quinn called a special session for June
19th, but with no deal on the table, the only thing that transpired in the special session was for the leaders to appoint a
conference committee. The committee is expected to work
most of the summer in an attempt to reach an agreement
between the House and the Senate.
A compromise to legalize concealed carry was reached on the
last day of Session. HB 183 provides for a statewide licensing
standard, pre-empting the ability of local governments to regulate handguns and handgun ammunition. Applicants who are
21 years of age with a valid FOID card who have not been
convicted of certain violations shall be granted a five-year
license by the Illinois State Police upon the successful completion of a 16-hour training course (three hours for renewal).
Law enforcement could object to an application based on a
potential threat to public safety. Locations where carrying a
handgun would be prohibited include: on public transportation, in government buildings, schools, playgrounds, municipal
parks, bars, prisons,
airports, and at
nuclear facilities.
Licensees would have
broad ability to carry
handguns in their vehicles. Under the bill, it would be illegal
to carry under the influence of alcohol or drugs. As expected,
Governor Quinn used his amendatory veto power to change
the bill, but it was overridden and is now law (PA 98-0063).
The General Assembly also approved legislation to create a
regulatory and revenue framework for high volume hydraulic
fracturing. SB 1715 has the potential to create tens of thousands of jobs and generate hundreds of millions of dollars in
new revenue for state coffers. The final agreement provides
significant protections for both air and water with the inclusion
of mandatory chemical disclosure, minimum setbacks from
water supplies, community notification, required use of closed
loop systems, water-management plans, and strict well-casing
standards. Operators will pay a new graduated severance tax
ranging between three and six percent based on the number of
barrels produced daily. Finally, companies must pay a $13,500
application fee for each well with proceeds to the Department
of Natural Resources and Illinois EPA to ensure that they have
adequate staffing to oversee the industry. The governor
approved SB 1715 on June 15, and it is now law (PA 98-0022).
This session had its share of hot-button issues, and a brief list
of several other major issues the legislature approved or failed
to approve includes:
Gay Marriage: Although SB 10 passed the Illinois Senate
on Valentine's Day, the House sponsor did not have the
votes required for passage and elected not to call the bill
for a vote before adjourning for the summer.
Medicaid Expansion: SB 26 is a major Medicaid expansion for an estimated 350,000 childless adults between
the ages of 19 and 64 with incomes below 138% of the
federal poverty level. The bill passed both chambers and
was signed by the governor on July 22.
Cell Phone Use While Driving: HB 1247 prohibits using
hand held cell phones while driving. Using a hand held
cell phone while driving will result in a moving violation
and a fine of $75 for the first offense, $100 for the second offense, $125 for the third offense, and $150 for the
fourth and subsequent offense. If signed by Governor
Quinn, the law will be effective January 1, 2014.
Economic Development: SB 20 is a massive regional
and statewide economic development package. The bill
includes: a McCormick Place expansion; a new third airport board; Rosemont convention incentives; a stadium
for DePaul University, a Downstate fertilizer plant in Tuscola; a Brownfield's redevelopment in the South Suburbs;
enterprise zone trailer legislation; a TIF extension for
Grundy County; a tax exemption for Washington, IL;
Legislation & Regulation (continued)
a TIF extension for East St. Louis; changes requiring project labor agreements for mediation of leaking underground storage tank projects; statewide farmland assessment changes; and authority to enter into a public/private
partnership for a third airport. Governor Quinn signed SB
20 into law on July 25 and is effective immediately..
Medical Marijuana: HB 1 allows an individual who has
been diagnosed by a physician with one of 33 debilitating conditions to receive a registration card allowing for
the purchase of medical marijuana. The legislation allows
employers to adopt reasonable regulations governing the
consumption, storage, and timekeeping requirements for
patients. Additionally, there will be a zero tolerance policy for individuals who receive a registration card and
operate a motor vehicle while under the influence of
marijuana. The governor signed the bill into law on
August 1; it will become effective January 1, 2014.
CBAI Initiatives Sent to the Governor — After working for
two years to pass a bill to address the “good funds law,” CBAI
was successful this year in passing legislation to address this
issue. House Bill 1335 (Sandack/Mulroe) amends the "good
funds" disbursement authorization provisions of the Title Insurance Act to allow financial institutions and title companies that
know each other and agree to use cashier's checks, teller's
checks and certified checks as settlement funds in transactions
greater than $50,000. While the bill is permissive in nature, the
title insurance industry still opposed the legislation, and at the
request of Senator Don Harmon (D-Oak Park), the bill was
amended in the Senate. The bill as amended makes it clear the
parties will address the issue of delivery of the check to the
title company in sufficient time for the check to be deposited
to the title company's account, before any disbursement of
funds is made by the title company. As part of the compromise, a January 1, 2015 sunset was also included. Senator Harmon inserted the sunset, and committed to repeal it next year
if there is no proof that that this change negatively impacts the
title insurance industry. CBAI will continue to work with the
General Assembly on this issue and to repeal the sunset. CBAI
thanks HB 1335's sponsors State Representative Ron Sandack
(R-Downers Grove) and State Senator John Mulroe (D-Chicago)
for their hard work to pass this legislation. HB 1335 passed
both chambers with only three no votes in both chambers, and
is on the governor's desk.
CBAI was also successful in passing legislation that removes
the requirement for banks to disclose ATM fees with a physical
sign on the terminal, when the fee is shown electronically on
the terminal screen. House Bill 2432 (Lang/Mulroe) was
amended with language that was introduced initially onto HB
183. HB 2432 had to be amended because HB 183 was
“hijacked” by the Senate Democratic leadership and ultimately
became the vehicle for the concealed carry compromise (see
above). Last year, Congress removed the physical signage
requirement in federal law, and this bill makes state law consistent with that change. HB 2432 passed both chambers and
has been sent to the governor.
Foreclosure Trailer Bill — Late last year, legislation addressing the issue of abandoned residential property in foreclosure
passed the General Assembly. SB 16 established an expedited
"fast track" foreclosure process for abandoned residential property allowing lenders to acquire title to property more quickly
and then assume responsibilities under local ordinances to
secure and maintain it. SB 16 also established funding for local
government remediation of abandoned residential property and
housing counseling for struggling homeowners. The additional
fees paid by lenders filing foreclosure complaints is now a
source of funds for the Illinois Housing Development Authority
to distribute grants to communities and counseling agencies
throughout the State. The vast majority of additional fees are
paid by financial institutions which file more than 175 foreclosure filings per year. The tiered system established in SB 16
was a major victory for CBAI last session.
SB 16 was a very technical bill, and Senate Bill 1674
(Collins/Thapedi) was introduced this spring with certain
clarifying amendments suggested by the clerks of the court and
foreclosure practitioners to ensure that the fast track foreclosure process for abandoned property and the funding mechanism for housing counseling and local government relief in
securing abandoned properties worked smoothly. Additionally,
the Illinois Housing Development Authority requested an
amendment that will help facilitate, clarify and simplify its
administration of the grant programs through which the collected funds from the SB 16 additional fees are distributed to communities and counseling agencies across the state.
The amendment authorized IHDA to deduct its reimbursable
administrative expenses in distributing the grants and sets a
cap of no greater than 4% of the annual appropriated amount
actually received. IHDA initially approached the Joint Committee on Administrative Rules (JCAR) with a request to take 9%
for administrative expenses. JCAR prohibited that request, but
also advised IHDA that they had no legislative authority to use
any of the collected funds for administrative expenses. JCAR
suggested they seek legislation to address that issue. Initially
IHDA introduced legislation that would not include any cap for
administrative expenses; however the Speaker's office offered
the 4% compromise. CBAI agreed to the compromise (along
the ILFI and ICUL) at the request of House Democratic Leadership and the bill sponsor Representative Andre Thapedi. Since
all of the financial trade associations supported the underlying
bill, which allowed the clerks to take 2% simply for collected
and remitting these fees, CBAI agreed that a maximum of 4%
seemed reasonable for the administrator of the program. Legislative debate in both the House and the Senate indicated that
the actual amounts needed to administer these grants could be
far less than the 4% cap and that the Illinois General Assembly
would hold IHDA accountable for all costs associated with
administering this program. Governor Quinn signed this bill on
June 11, just 10 days after the effective date of SB 16.
Rights of Occupants in
Foreclosure Bill —
Capital Conference 2013
Senate Bill 56 (Collins/Cassidy)
amends the Illinois Foreclosure
Law and Illinois Forcible Entry
and Detainer Act to address the
protection of tenants from eviction because of foreclosure on the
properties they occupy. The bill
requires landlord's successors-ininterest of a foreclosed one-tofour family residential property
(such as a lender acquiring its
Telling Our Story at Capital Conference — In mid-April,
collateral at the foreclosure judicial sale) to provide tenants
approximately 100 community bankers from across Illinois
with at least a 90 days' notice to vacate. Tenants may stay in
assembled in Springfield to meet with state legislators on key
their residence until the end of their leases entered into before
community-banking issues. The annual event kicked-off with a
the foreclosure, unless (1) the property is sold to a purchaser
luncheon keynote address from Illinois State Treasurer Dan
that will occupy the property as a primary residence; or (2)
Rutherford. Treasurer Rutherford commended community
there is no lease or the lease is terminable at will under state
bankers for their commitment and dedication to community
law. However, even if these exceptions apply, the tenants must
involvement and highlighted his good working relationship
still receive 90 days' notice before they may be evicted. The
with CBAI. He indicated his willingness to continue working
protections granted under the federal Protecting Tenants at
with community banks in hopes of bringing more jobs and
Foreclosure Act (PTFA) only apply to tenants under a "bona
prosperity to Illinois. Bankers then went to the Capitol to meet
fide" lease or tenancy (i.e., the mortgagor or the child, spouse,
with their state senators and representatives and most were
or parent of the mortgagor is not the tenant, the lease or tensuccessful
in doing so.
ancy is the result of an arms-length-transaction and the rent
paid is a fair-market rent).
The busy day concluded with the annual legislative reception for
lawmakers, regulators, staff members, and community bankers.
SB 56 also adds a much needed provision in the Foreclosure
Well-attended, the event allowed CBAI members to engage legisLaw to address the deficiency described by the Illinois
lators, IDFPR regulators, and constitutional officers in a relaxed
Supreme Court in the McGahan foreclosure case (2010), as to
atmosphere directly across from the Capitol. Thanks to all the
what procedure a lender must follow in the event of a mortcommunity bankers who attended the 29th Annual Capital Congagor's death. The provision eliminates the time, trouble and
ference
and engaged in grassroots lobbying in Springfield. Grassexpense of appointing a special representative for a deceased
roots
involvement
makes a huge difference!
mortgagor if there is a living person holding a 100% interest in
the property by virtue of being the deceased mortgagor's surviving joint tenant or surviving tenant by the entirety
(e.g., a spouse).
CBAI worked all session with the other financial trade associations and the housing advocates and proponents of this bill to
remove less favorable provisions and develop an agreed bill
which is on the governor’s desk.
CBAI Defeats Illinois State Bank Resolution — House Joint
Resolution 38 (Flowers) creates the Return Illinois to Prosperity
Commission and provides that the Commission shall review
and evaluate the creation of an Illinois State Bank. CBAI was
the only trade group to testify in opposition to the Resolution
that was heard in the House Executive Committee on Memorial
Day. HJR 38 barely passed the House Executive Committee 65, and it failed on the House floor with a vote of 49-67-1.
CBAI will continue to oppose any legislation or resolution
that would create a bank owned and operated by the State
of Illinois.
FEDERAL
Basel III was a significant issue that dominated the financial
service landscape throughout the year. The Basel III proposed
rules represented a threat to the survival of community banks.
CBAI and ICBA were fully engaged with the regulators
throughout their rulemaking process and won significant concessions beneficial to community banks.
An extensive Basel III Resource Center was developed for
CBAI's website. This Resource Center stated CBAI's position on
the capital rules, provided a summary of the rules, dispelled
Basel III myths, highlighted the growing chorus of concern
about the proposed rules, and provided bankers with instructions for their comment letters.
On the strength of approximately 2,500 comment letters from
community bankers and their trade associations (including
CBAI) the regulators missed their self-imposed year-end 2012
deadline and it was not until late June of 2013 that the final
rules were published. CBAI was pleased that the strong voice
of community banks was heard. While a complete exemption
for community banks was not granted, the final rules did contains critically important concessions to community banks,
including the following.
Accumulated Other Comprehensive Income (AOCI) — The
final rules permit a one-time permanent election (1st Quarter
2015 Call Report) for banks with less than $250 billion in assets
to opt-out of including AOCI as part of regulatory capital.
Increased Risk Weights for Balloon Payment and Other
Mortgage Loans — The final rules permit the use of current
risk weights for residential mortgages when calculating riskbased capital.
Trust Preferred Securities (TruPS) — The final rules state
that for bank holding companies that had total consolidated
assets of less than $15 billion at December 31, 2009, TruPS are
permanently grandfathered as a component of Additional Tier
1 Capital.
An additional victory was the delay in the implementation of
the Basel III rules from January 1, 2014 to January 1, 2015.
A second major issue was the continuing burden of too-big-tofail (TBTF). CBAI urged Congress and banking regulators to
reform the financial system and significantly reduce the probability and severity of a future financial crisis. A taxpayer bailout
of big banks and financial firms must never happen again!
Bipartisan support for resolving too-big-to-fail grew among distinguished thought-leaders within financial services and Congress including Fed Chairman Ben Bernanke, Federal Reserve
Bank of Dallas President Richard Fisher, and FDIC Vice-Chairman Thomas Hoenig. This chorus of concern has been fueled
not only by the taxpayer-funded bailouts of the mega banks
but also by their numerous and continuing offenses.
Senator Sherrod Brown (D-OH) joined with Senator David Vitter (R-LA) to introduce the Terminating Bailouts for Taxpayers
Fairness Act of 2013 (S. 798). This legislation requires capital
guidelines appropriately scaled to the size, scope and risks of
the institutions, and offers much-needed regulatory relief to
community banks that will allow them to better serve consumers and small businesses. CBAI thanks Illinois Senator
Richard Durbin for taking a leadership position by co-sponsoring this important legislation.
CBAI's 2013 Federal Policy Priorities include the following.
• Downsize Too-Big-To-Fail Banks and Financial Firms
to Protect Our Financial System, Economy and
American Taxpayers from Future Bailouts
• Support Community Bank Regulatory Relief as
Contained in ICBA’s Plan for Prosperity
• Support Tiered Regulations and Supervision for
Community Banks
• Support Community Bank Exemptions From the
Basel III Capital and Risk-Weight Requirements
• Oppose Expanded Powers for Tax-Exempt
Credit Unions
• Oppose Expansion of the Farm Credit System (FCS)
• Support Mortgage Lending Reform
• Support Housing Finance (GSE Secondary Market)
Reform
• Stop Aggressive Bank Regulatory Examinations
• Support Positive Tax, Accounting, and Auditing Changes
• Positively Influence the Continuing Implementation of
the Dodd-Frank Wall Street Reform Act by Extending
the Gains Made by Community Banks and Mitigating
the Negative Effects
• Maintain the Federal Home Loan Bank System
• Permanently Close the Industrial Loan Company Loophole
• Fairly Compensate Fannie Mae and Freddie Mac
Preferred Shareholders
• Oppose Excessive Intervention in Monetary Policy.
These policy priorities serve as CBAI's roadmap to achieving
and maintaining strong community banks in Illinois and across
the country.
CBAI Members Participating and Honored To Represent
Community Banks — Robin Loftus, EVP and COO of Security
Bank, s.b., Springfield, and past chairman of CBAI, was
appointed the first chairman of the Consumer Financial Protection Bureau's (CFPB) Community Bank Advisory Council. The
Council is providing the CFPB recommendations to influence
its policy development, research, rulemaking, and engagement
functions. It will convene public meetings, and members serve
two-year terms.
Richard Cordray, director of the Consumer Financial Protection
Bureau (CFPB), participated in a roundtable discussion with
CBAI bankers at The Westin O'Hare near Chicago earlier
this year. Our goal was to share members' observations and
recommendations concerning consumer regulations and the
impact those regulations have on community banks and
their communities.
CBAI Chairman Rick Jameson, Morton Community Bank, and
CBAI Group Director Diana Torman, Prairie Community Bank,
Marengo, participated in a meeting hosted by the Federal
Home Loan Bank of Chicago to introduce Congressman Randy
Hultgren (R-IL) to the FHLB-Chicago and to discuss community
bank issues. Congressman Hultgren is a new member of the
House Financial Services Committee.
Representing Illinois Community Banks in Washington, D.C.
CBAI Vice President of Federal Governmental Relations David
Schroeder made quarterly visits to the D.C. offices of every
member of the Illinois Congressional delegation. Schroeder
delivered CBAI's Federal Policy Priorities and encouraged their
support for favorable legislation and to oppose legislation
harmful to Illinois community banks.
CBAI's 31st Annual Call on Washington was a resounding success. Bankers from across Illinois together with their spouses
and guests met with their Members of Congress and regulators
to discuss key legislative and regulatory issues. First-time
attendee Ken Edl, EVP of Diamond Bank, FSB in Schaumburg,
said, “Being involved with CBAI's Call on Washington was truly
a unique experience. The ability to work with the CBAI to discuss with our representatives the issues we as community
bankers are passionate about proved to be very rewarding.
With the CBAI's guidance, our message was informed, united
and communicated clearly.”
Action Alerts and Comment Letters — CBAI members supported staff and fellow community bankers who visited D.C.
by vigorously responding to Association Action Alerts which
encouraged legislators to:
• Support a 90-day extension of the public comment
period for the Basel III capital standards proposals;
• Support an exemption for community banks from the
proposed implementation of Basel III;
• Support a five-year extension of the Transaction
Account Guaranty (TAG) program;
• Strongly oppose credit-union expansion of powers; and
• Co-sponsor (in the Senate) the Privacy Notice
Modernization Act (S. 635).
The responsibility for rule writing and implementation falls to the
various banking regulators. CBAI continued to be actively
engaged with the regulators by submitting observations and recommendations on many important issues including the following.
• CBAI urged the CFPB to expand Qualified Mortgage
(QM) exemptions by creating a new category of
QMs for community banks which would benefit from
a conclusive safe-harbor presumption within the
Ability-to-Repay rules.
• CBAI's final (14 page) comment letter to the Federal
Reserve Board/FDIC/OCC highlighted specific
proposals in the capital and risk-weights NPRs
which threaten the survival of community banks, and
continued to urge a community bank exemption from
Basel III.
• CBAI's interim comment letter urged the regulators to
exempt community banks from the proposed implementation of the Basel III.
• CBAI's initial comment letter urged the regulators to
grant more time for community banks to comment on
the Basel III rules.
• CBAI urged the U.S. Department of the Treasury
(regarding the Small Business Lending Fund) to
reconsider its decision to assess a penalty and adopt a
less rigid response to reasonable requests for more
time to submit audited financial statements/certifications.
Regulatory and Legislative Successes — The CFPB
adopted a rule to codify the protection of privileged information submitted to the Bureau by the financial institutions
it regulates.
The federal-banking regulators announced they extended the
comment period for the Basel III regulatory capital proposals.
The Financial Accounting Standards Board (FASB) announced
that nonpublic entities will not have to disclose the fair value
amounts for financial assets and liabilities measured at the
amortized cost.
Congress passed and the President signed into law legislation
that eliminates the unnecessary and duplicative disclosures
of ATM fees (H.R. 4367) and legislation to ensure that confidential information submitted to the CFPB remains privileged
(H.R. 4014).
The CFPB issued its final Qualified Mortgage (QM) and Abilityto-Repay rules. The rules structure the QM standard as a true
legal safe harbor versus a rebuttable presumption.
The CFPB finalized amendments to the Ability-to-Repay/QM
rule by creating specific exemptions and modifications for
small creditors and by also revising the rule on how to calculate loan origination compensation.
Summary — Despite an increasingly polarized and gridlocked
political environment, 2013 was a successful year for community bankers in the legislative and regulatory process. Community
bankers continue to be welcomed in Washington, D.C. and
recognized as essential to the functioning of our economy
and communities. Our success is due, in large part, to the
involvement in the political process by community bankers.
Your CBAI governmental relations team remains fully committed to advocating for community banks in our nation's capital
and we thank our members for getting involved and making
a difference.
2013 Call on Washington
2013 delegates included (l-r): Tom Marantz, Bank of Springfield;
Bob Wingert, CBAI; Jim Dingman, BankORION; David Feldhaus, Federal Home Loan Bank of Chicago; Bill Wubben, Apple
River State Bank; Ken Edl, Diamond Bank, FSB, Schaumburg;
Mike Kelley, CBSC;, Congressman Randy Hultgren (R-14); Martin Rowe, Legence Bank, Eldorado; Mary Sulser, Buena Vista
National Bank, Chester; Kathy Cook, Village Bank, St. Libory;
Community BancPac
Community BancPac raised $198,500 for the 2012/2013 fiscal
year. Following is a summary of the successful fund-raising
efforts this year.
Contributions Distributed to Candidates — As a bipartisan
committee, Community BancPac assisted 80 state legislators,
state officials, and political groups in fiscal year 2012/2013,
with contributions totaling nearly $100,000. Thanks to all who
supported Community BancPac this year.
Silent Auction — The Community BancPac 21st Annual Silent
Auction and Fifth Annual Live Auction, a highlight of the CBAI
Convention, raised more than $16,000. Popular items included
vacation getaways, sports tickets, handcrafted items, electronics, plus a wide selection of other items.
Top Contributors —
International Bank of Chicago
Midland States Bank, Effingham
Bank of Farmington
First Trust Bank of Illinois, Kankakee
Citizens Bancorporation, Inc., Mascoutah
First State Bank, Mendota
South Side Trust & Savings Bank, Peoria
Bank of Pontiac
Rockford Bank & Trust Company
Illinois Transfer System, Johnston, IA
CEO Challenge — Below is a list of special friends of Community BancPac. The CEO Challenge recognizes those CEOs
who have gained 100-percent participation in Community
BancPac from their bank officers, and/or directors.
Joel Holland, Apple River State Bank
Steve Backlund, Better Banks, Bartonville
Greg Ohlendorf, First Community Bank & Trust, Beecher
Tod Jeffers, Scott State Bank, Bethany
Ben Barton, Byron Bank
Allen Kaisor, Buena Vista National Bank, Chester
Thomas Niebrugge, The First National Bank of Dieterich
W.B. Gray, Farmers & Merchants Bank of Hutsonville
Charles Eastman, Peoples National Bank of Kewanee
Gary Edwards, The State Bank of Lima
Dan Nederhoff, Milledgeville State Bank
Brad Jackson, State Bank of Niantic
Steve Backlund, State Street Bank & Trust Company, Quincy
Thomas Walsh, Northwest Bank of Rockford
Elly Mackus, Security Bank, s.b, Springfield
Doug Hultquist, Quad City Bank & Trust, Davenport, IA
CDD “Skins/Mulligans” Contest — Members of the CBAI
Career Development Division (CDD) raised more than $8,700
for community BancPac from "Skins and Mulligans" contests at
the golf outings held during the Annual Convention and Group
Meetings. Thanks, CDD!
BANCPAC CORPORATE CONTRIBUTIONS
(From 7/01/12 to 6/30/13; Alpha by City)
$1,000 or more
West Central Bank, Ashland
Athens State Bank
First Community Bank & Trust, Beecher
First State Bank of Beecher City
State Bank of Whittington, Benton
Scott Bancshares, Inc., Bethany
American Enterprise Bank, Buffalo Grove
MidAmerica National Bancshares, Inc., Canton
Casey State Bank
International Bank of Chicago
State Bank of Davis
Prime Banc Corp, Inc., Dieterich
Midland States Bank, Effingham
Legence Bank, Eldorado
Farmers State Bank, Elmwood
Bank of Farmington
Fisher Bancorp, Inc.
Heartland Financial USA, Inc., Galena
Tompkins State Bank, Galesburg
State Bank of Graymont
Griggsville Bancshares, Inc.
The Harvard State Bank
Community Trust Bank, Irvington
First Trust Bank of Illinois, Kankakee
Exchange State Bank, Lanark
Lena State Bank
The Farmers Bank of Liberty
First Security Bank, Mackinaw
HomeStar Bank, Manteno
Citizens Bancorporation, Inc., Mascoutah
MGB Bancshares, Inc., Mattoon
First State Bank, Mendota
Citizens State Bank of Milford
First Farmers State Bank
Bank of Modesto
Farmers State Bank & Trust Co., Mt. Sterling
Community First Bank of the Heartland, Mt. Vernon
Anderson Bancorp, Inc., Oneida
First Bank & Trust, S.B., Paris
FM Bancorp, Inc., Paxton
South Side Trust & Savings Bank, Peoria
NBP Financial Services, Petersburg
First Perry Bancorp, Inc., Pinckneyville
Community BancPac (continued)
Bank of Pontiac
Princeville State Bank
Raymond Bancorp, Inc.
First Robinson Financial Corporation
Rochester State Bank
Rockford Bank and Trust Company
Savanna-Thomson State Bank
Diamond Bank, FSB, Schaumburg
Shelby County State Bank, Shelbyville
Bank of Springfield
Illini Bank, Springfield
Illinois National Bank Pac, Springfield
Security Bank, S.B., Springfield
The Village Bank, St. Libory
Sauk Valley Bank, Sterling
State Bank of Toulon
Community Bank of Trenton
Bank of Yates City
Illinois Transfer System, Johnston, IA
$750 - $999
Farmers State Bank of Camp Point
BankORION
Bank of Quincy
First State Bank of Shannon-Polo
State Bank of Waterloo
$500 - $749
The State Bank of Blue Mound
Byron Bank
Preferred Bank, Casey
First Clover Leaf Bank, Edwardsville
Goodfield State Bank
The State Bank of Lima
State Bank of Lincoln
Prairie Community Bank, Marengo
South Porte Bank, Marion
Blackhawk Bank & Trust, Milan
The Peoples State Bank, Newton
First Nokomis Bancorp, Inc.
First Community State Bank, Staunton
Mississippi Valley Bank Association, Bettendorf, IA
Under $500
Headquarters Holding Company, Ava
Scott State Bank, Bethany
Buckley State Bank
State Bank of Cherry
Durand State Bank
Citizens Bank of Edinburg
North Central Bank, Hennepin
First Community Bank of Hillsboro
Hardware State Bank, Lovington
Milledgeville State Bank
TrustBank, Olney
Northwest Bank, Rockford
Rushville State Bank
State Bank of Saunemin
First Vandalia Corporation
BANCPAC PERSONAL CONTRIBUTIONS
Chairman's Club ($300 or greater)
Eric Einsweiler, Apple River State Bank
William Wubben, Apple River State Bank
Steve Backlund, Better Banks, Bartonville
Kevin Pesko, Bank of Belleville
Larry Franklin, CNB Bank & Trust, N.A., Carlinville
Brad Rench, First Mid-IL Bank & Trust, N.A., Mattoon
Nick Snyder, Digital Management Solutions, O'Fallon
Diane Schipkowski, Harland Clarke, Lake Carroll
Steve Aughenbaugh, State Bank of Lincoln - Banking Division
Mike Canada, Morton Community Bank
Richard Hiatt, Morton Community Bank
Richard Jameson, Morton Community Bank
Dale Brockman, Old Exchange National Bank, Okawville
Jim Dingman, BankORION
Omar Wilhelms, First State Bank of Shannon-Polo
Jerry Cavanaugh, CBAI, Springfield
Anthony Sisto, STC Capital Bank, St. Charles
Jeff Rolczyski, American Midwest Bank, Sycamore
President's Club ($200 - $299)
Joel Holland, Apple River State Bank
Linda James, Apple River State Bank
Marc McCoy, Apple River State Bank
Richard Weis, Apple River State Bank
William Holland, Apple River State Bank
William McFadden, Apple River State Bank
Anthony Koehler, Better Banks, Bartonville
Karl Kuppler, Better Banks, Bartonville
Norman Endsley, Better Banks, Bartonville
Richard Peterson, Better Banks, Bartonville
Robert Mowrer, Jr., Better Banks, Bartonville
Bernard Curvey, CNB Bank & Trust, N.A., Carlinville
George Yard, CNB Bank & Trust, N.A., Carlinville
James Salske, CNB Bank & Trust, N.A., Carlinville
Joe Heitz, CNB Bank & Trust, N.A., Carlinville
John Boehm, CNB Bank & Trust, N.A., Carlinville
Judy Baker, CNB Bank & Trust, N.A., Carlinville
Larry Gillingham, CNB Bank & Trust, N.A., Carlinville
Nancy Ruyle, CNB Bank & Trust, N.A., Carlinville
Peter Genta, CNB Bank & Trust, N.A., Carlinville
Ralph Antle, CNB Bank & Trust, N.A., Carlinville
Richard Walden, CNB Bank & Trust, N.A., Carlinville
Rick Champley, CNB Bank & Trust, N.A., Carlinville
Dave Nosbisch, Durand State Bank
Martin Rowe, Legence Bank, Eldorado
Michael Estes, The Fisher National Bank
Carla Nicholson, Flora Bank & Trust
Dennis Gorman, State Street Bank & Trust, Quincy
Gerald Mass, State Street Bank & Trust, Quincy
Jeff Spear, State Street Bank & Trust, Quincy
Mike Mahair, State Street Bank & Trust, Quincy
Rich Niemann, State Street Bank & Trust, Quincy
Richard Seifert, State Street Bank & Trust, Quincy
Stephen Gaddis, Northwest Bank, Rockford
Robert Wingert, CBAI, Springfield
Capitol Club ($100 - $199)
Robert Bridges, Better Banks, Bartonville
Rula Roberts, Better Banks, Bartonville
Michael Stratton, Better Banks, Bartonville
Jerry Baker, First Community Bank and Trust, Beecher
John Biesterfield, First Community Bank and Trust, Beecher
Bruce Bockelman, First Community Bank and Trust, Beecher
Harold Bruns, First Community Bank and Trust, Beecher
David Cecich, First Community Bank and Trust, Beecher
Bradley Coats, First Community Bank and Trust, Beecher
David Dralle, First Community Bank and Trust, Beecher
Bruce Hackel, First Community Bank and Trust, Beecher
Brian Hruska, First Community Bank and Trust, Beecher
Greg Ohlendorf, First Community Bank and Trust, Beecher
Tod Jeffers, Scott State Bank, Bethany
Larry Otis, Scott State Bank, Bethany
David Reed, Scott State Bank, Bethany
Jerome Rowe, Scott State Bank, Bethany
Barbara Scott, Scott State Bank, Bethany
Lawrence Thicksten, Scott State Bank, Bethany
Jennifer Baker, Byron Bank
Ben Barton, Byron Bank
Gail Barton, Byron Bank
Dennis Harms, Byron Bank
Michael Kohlstedt, Byron Bank
John Kuss, Byron Bank
Neal Pavlus, Byron Bank
Ronald Steenken, Byron Bank
Charles Thomas, Byron Bank
James Hahn, CNB Bank & Trust, N.A., Carlinville
Bernard Colvis, Buena Vista National Bank, Chester
Allen Kaisor, Buena Vista National Bank, Chester
Paul Koeneman, Buena Vista National Bank, Chester
John Roth, Buena Vista National Bank, Chester
Ron Pechacek, Buena Vista National Bank, Chester
Larry Soellner, Buena Vista National Bank, Chester
Donald Welge, Buena Vista National Bank, Chester
Chuck Deters, The First National Bank of Dieterich
Julie Welborn, The Fisher National Bank
Lori Pieper, Community State Bank, Galva
Gerald and Kelly Johnson, Grand Ridge National Bank
Ronald Minnaert, State Bank of Graymont
Kim McKee, North Central Bank, Hennepin
Dave Ward, North Central Bank, Hennepin
Kimberly Gray, Farmers & Merchants Bank of Hutsonville
Wilburn Gray, Farmers & Merchants Bank of Hutsonville
Josh Hamm, State Bank of Industry
Scott Parke, State Bank of Industry
Charles Eastman, Peoples National Bank of Kewanee
Reynolds Everett Jr., Peoples National Bank of Kewanee
George Guzzardo, Peoples National Bank of Kewanee
James Rinella, Peoples National Bank of Kewanee
John Spets, Peoples National Bank of Kewanee
Robert Ver Heecke, Peoples National Bank of Kewanee
Lawson Faler, The Farmers Bank of Liberty
Robert Field, The Farmers Bank of Liberty
John Matlick, The Farmers Bank of Liberty
Scott Schoonover, The Farmers Bank of Liberty
Larry Talken, The Farmers Bank of Liberty
Gary Edwards, State Bank of Lima
D. Dickerson, Prairie Community Bank, Marengo
Annette Hammortree, Prairie Community Bank, Marengo
Kimberly Meyers, Prairie Community Bank, Marengo
Larry Buffington, Milledgeville State Bank
Roger De Vries, Milledgeville State Bank
Robert Traum, Milledgeville State Bank
Robert Woessner, Milledgeville State Bank
Will Coolley, Longview Capital Corporation, Newman
Jeffrey Sterling, German American State Bank, Pecatonica
Jeffrey Martin, Welch Systems, Inc., Peoria
David Cramsey, State Street Bank & Trust, Quincy
Kenneth Garkie, State Street Bank & Trust, Quincy
Glennon Rost, State Street Bank & Trust, Quincy
H. Scott Smith, State Street Bank & Trust, Quincy
James Stebor, State Street Bank & Trust, Quincy
Charles Kullberg, Northwest Bank, Rockford
Stephen McKeever, Northwest Bank, Rockford
John Morrissey, Northwest Bank, Rockford
Brent Myers, Northwest Bank, Rockford
Robert Stenstrom, Northwest Bank, Rockford
Thomas Walsh, Northwest Bank, Rockford
Jenny Dial, CBAI, Springfield
Terry Griffin, CBAI, Springfield
Lisa Lippert, CBAI, Springfield
Tracy McQuinn, CBAI, Springfield
Andy Burkett, CBSC, Springfield
Michael Kelly, CBSC, Springfield
Jean Jachino, Evan Lloyd Architects, Springfield
Robert Koopman, First National Bank of Steeleville
Kathleen Enbom, Wipfli LLP, Sterling
Paul Pogue, North Adams State Bank, Ursa
Steve Feith, Waterman State Bank
Steven Rosenbaum, Prospect Federal Savings Bank, Worth
Mike Putbrese, First Community Bank, Xenia-Flora
Randall Smith, Bank Compensation Consulting, Plano, TX
Executive Club ($75 - $99)
Gerald Reed, First National Bank of Brownstown
Diane Houser, Chicago Federal Home Loan Bank
Robert Howard, Farmers State Bank, Elmwood
Steve Ingold, The Fisher National Bank
John Jones, The Fisher National Bank
Leonard Stocks, The Fisher National Bank
Dean Tabor, The Fisher National Bank
Gary Winans, The Fisher National Bank
Kelly Johnson, Grand Ridge National Bank
George Abel, Farmers & Merchants Bank of Hutsonville
Tina Callaway, Farmers & Merchants Bank of Hutsonville
Brett Gray, Farmers & Merchants Bank of Hutsonville
Carl Tingley, Farmers & Merchants Bank of Hutsonville
Kerry Hoops, German American State Bank, Pecatonica
Jeffrey Saar, First State Bank of Shannon-Polo
Kraig Lounsberry, CBAI, Springfield
Megan Peck, CBAI, Springfield
Karin Parrott, State Bank of Toulon
Richard Binder, State Bank of Waterloo
Amy Braack, Quad City Bank and Trust Company, Davenport, IA
Hunt Harris, Quad City Bank and Trust Company, Davenport, IA
Doug Hultquist, Quad City Bank and Trust Company, Davenport, IA
Joseph Porter, Polsinelli Shughart PC, St. Louis, MO
Leslie Buhrmaster, 1st National Bank of Scotia, Scotia, NY
Director's Club ($25 - $74)
Jenna Bock, Scheffel & Company, P.C., Alton
Adam Angst, Better Banks, Bartonville
Lindy Dukey, Better Banks, Bartonville
Kevin Stine, Mathis, Marifian, & Richter, Ltd., Belleville
Steve Swinney, State Bank of Whittington, Benton
Tom Fitzgerald, Scott State Bank
Nancy Mueller, Scott State Bank, Bethany
Art Wilkinson, Scott State Bank, Bethany
Char Genta, CNB Bank & Trust, N.A., Carlinville
Sue Tinberg, CNB Bank & Trust, N.A., Carlinville
Diane Houser, Chicago Federal Home Loan Bank
Angie Fletcher, Vedder Price P.C., Chicago
John Conrad, Cissna Park State Bank
Jeanette Beckemeyer, Legence Bank, Eldorado
Mike Copeland, Fairfield National Bank
Haley Guisti, North Central State Bank, Hennepin
Ernest Waldschmidt, Henry State Bank
Jack Masterson, PeopleFirst Bank, Joliet
Diane Anding, State Bank of Lima
Jan Edwards, State Bank of Lima
Steven Harms, State Bank of Lima
Michael Jackson, State Bank of Lima
Stanley Tucker, State Bank of Lima
Sally Duncan, Hardware State Bank, Lovington
Amy Thiede, Prairie Community Bank, Marengo
Tracy Beem, The First National Bank, Mattoon
William Cline, The First National Bank, Mattoon
Timothy Dosch, The First National Bank, Mattoon
Gary Marquis, The First National Bank, Mattoon
Lawrence Martin, The First National Bank, Mattoon
Terri Ogborn, The First National Bank, Mattoon
Robert Ronchetti, The First National Bank, Mattoon
Steven Schmitt, The First National Bank, Mattoon
Matt Caldwell, Milledgeville State Bank
Jerry Carter, Milledgeville State Bank
Vicki Deets, Milledgeville State Bank
Scott Foltz, Milledgeville State Bank
Liz Hutchinson, Milledgeville State Bank
Debra Judas, Milledgeville State Bank
Donna Landis, Milledgeville State Bank
Dan Nederhoff, Milledgeville State Bank
Margaret Tyne, Milledgeville State Bank
Joseph Conroy, First Farmers State Bank, Minier
Sue Hiatt, Morton Community Bank
Jean Ann Honneger, Morton Community Bank
Sarah Cripps, The First Bank & Trust Company of Murphysboro
John Dunn, State Bank of Niantic
Brad Jackson, State Bank of Niantic
Steve Stoepher, State Bank of Niantic
Michelle Mihalich, Digital Management Solutions, O'Fallon
Donna Hundelt, The First National Bank of Okawville
Linda Moran, Peoples Bank and Trust, Pana
Gerald Pfeiffer, CliftonLarsonAllen LLP, Peoria
Jeanie Jenkel, First National Bank in Pinckneyville
Donna Markotay, First National Bank in Pinckneyville
Jan Wilhelms, First State Bank of Shannon-Polo
Karrie Herzog, Shelby County State Bank, Shelbyville
Valerie Johnston, CBAI, Springfield
Ed Peck, CBAI, Springfield
Jessie Schmidt, CBAI, Springfield
David Manning, Manning Consulting Group, Springfield
Paul Branham, Security Bank, s.b., Springfield
Steve Myers, Security Bank, s.b., Springfield
Marion Richter, Security Bank, s.b., Springfield
James Theis, Security Bank, s.b., Springfield
Randall Witter, Security Bank, s.b., Springfield
Steve Ewing, State Bank of Toulon
Linda Henderson, State Bank of Toulon
Ron LaDuke, State Bank of Toulon
Deann Rewerts, State Bank of Toulon
Mark Rewerts, State Bank of Toulon
Michael Rumbold, State Bank of Toulon
Patrick Sullivan, State Bank of Toulon
Larry West, State Bank of Toulon
Scott Hedden, Heritage Bank of Central Illinois, Trivoli
Linda Echard, ICBA Bancard Services, Washington, D.C.
Cynthia Carlson, Quad City Bank and Trust Company,
Davenport, IA
Beth Easterla, Quad City Bank and Trust Company, Davenport, IA
Kathleen Franque, Quad City Bank and Trust Company,
Davenport, IA
Gene Frey, Quad City Bank and Trust Company, Davenport, IA
Jeff Lockwood, Quad City Bank and Trust Company,
Davenport, IA
Stephen Prost, BancVue, Austin, TX
BANCPAC IN-KIND CONTRIBUTIONS
William Wubben, Apple River State Bank
Jim Jurgens, State Bank of Arthur
Keith Douglass, Tompkins State Bank, Avon
First Community Bank & Trust, Beecher
Steve Koehn, First Community Bank & Trust, Beecher
Kevin Stine, Mathis, Marifian, & Richter, Ltd., Belleville
First State Bank of Campbell Hill
CNB Bank & Trust, N.A., Carlinville
DBS Services, Chatham
John Drake, Bank of Chestnut
Colleen Lam Ferrara, Call One, Chicago
Brad Rench, First Mid-Illinois Bank & Trust, N.A., Mattoon
Griggsville Bancshares, Inc.
Charles Holland, Farmers State Bank of Alto Pass, Harrisburg
Greg Taake, Farmers State Bank of Alto Pass, Harrisburg
Midwest Bank of Western IL, Monmouth
Morton Community Bank
Sue Hiatt, Morton Community Bank
Michael Cripps, The First Bank & Trust Company of Murphysboro
Dave Pirsein, The First National Bank of Pinckneyville
Bill Kauffman, Bank of Pontiac
Pam Topper, Freedom Bank, Rock Falls
Bank of Springfield
David Schroeder, CBAI, Lake Bluff
Andrea Cusick, CBAI, Springfield
Stacy and Kamille Henson, CBAI, Springfield
Melinda McClelland, CBAI, Springfield
Ed and Megan Peck, CBAI, Springfield
Jessie Schmidt, CBAI, Springfield
Bret & Levette Shade, CBAI, Springfield
Robert & Diane Wingert, CBAI, Springfield
Michael Kelley, CBSC, Springfield
David Manning, Manning Consulting Group, Springfield
Doug Kinley, Small Business Growth Corporation, Springfield
Doug Fitzgerald, Wipfli LLP, Sterling
Nichelle Nichols Humphrey, State Bank of Toulon
State Bank of Toulon
Jim Shafer, The First National Bank in Tremont
Heritage Bank of Central Illinois, Trivoli
Scott Hedden, Heritage Bank of Central Illinois, Trivoli
Linda Echard, ICBA, Washington, D.C.
Nelajah Davis, ICBA, Washington, D.C.
Ken Diekemper, SHAZAM, Inc., Johnston, IA
David Hibbs, ICBA, Urbandale, IA
Rick Kitchell, Computer Services, Inc., Paducah, KY
HTG Architects, Minneapolis, MN
CliftonLarsonAllen LLP, St. Louis, MO
Leonard Essig, CliftoNLarsonAllen LLP, St. Louis, MO
Polsinelli Shughart, St. Louis, MO
Bank-Aide Tailored Research, Chesterfield, MO
Anne Davey Coyne, Young & Associates, Inc., Kent, OH
CBAI FedPac
During the past fiscal year CBAI FedPac received contributions
of $13,500. CBAI FedPac provides support to congressional
candidates in coordination with the Independent Community
Bankers of America (ICBA). A thank you for financial contributions are extended to the following individuals:
100% DIRECTOR CONTRIBUTION
INDIVIDUAL CONTRIBUTORS
Platinum ($500 or Greater)
Gerald Johnson, Grand Ridge National Bank
Kathleen Cook, The Village Bank, St. Libory
Gold ($250 - $499)
Charles Colvis, Buena Vista National Bank, Chester
Mike Manley, Midwestern Securities Trading Co., LLC, East Peoria
Charles Helleny, Herrin Security Bank
James Dingman, BankORION
Matt Simer, First Line, San Jose
Robert Wingert, CBAI, Springfield
Silver ($100 - $249)
Gerald Reed, First National Bank of Brownstown
Larry Franklin, CNB Bank & Trust, N.A., Carlinville
Burnell Beckman, The First National Bank of Dieterich
Chuck Deters, The First National Bank of Dieterich
Henry Stephens, The First National Bank of Dieterich
Kim McKee, North Central Bank, Hennepin
Brad Rench, First Mid-IL Bank & Trust, NA, Mattoon
Chris Gavin, Midwest Bank of Western Illinois, Monmouth
Lindsay Jameson, Morton Community Bank
Will Coolley, Longview
Capital Corporation,
Newman
Phil Walter, Welch
Systems, Inc., Peoria
Michael Aiello, Bank of Springfield
Robert Cusick, Bank of Springfield
John Davis, Bank of Springfield
Kevin Gamble, Bank of Springfield
Sandra Hilst, Bank of Springfield
Jerry Jennings, Bank of Springfield
Jason Knoedler, Bank of Springfield
William Ken LeMaster, Bank of Springfield
Richard McCord, Bank of Springfield
Mick McGlasson, Bank of Springfield
Rick Moore, Bank of Springfield
Barry Seidman, Bank of Springfield
Jerry Cavanaugh, CBAI, Springfield
Andrea Cusick, CBAI, Springfield
Melinda McClelland, CBAI, Springfield
Douglas Parrott, State Bank of Toulon
Bronze
($10 - $99)
Donald Tate, Crossroads Bank, Effingham
Michael Estes, The Fisher National Bank
Lawson Faler, The Farmers Bank of Liberty
Robert Field, The Farmers Bank of Liberty
John Matlick, The Farmers Bank of Liberty
Scott Schoonover, The Farmers Bank of Liberty
Larry Talken, The Farmers Bank of Liberty
Terry Griffin, CBAI, Springfield
Andy Burkett, CBSC, Springfield
Education
CBAI's Education Committee has created a comprehensive
professional-development program for community-bank
personnel from tellers to directors on timely topics utilizing
top-notch presenters.
This fiscal year CBAI:
• offered 151 on-site programs in 194 locations totalling
more than 214 training days, plus 118 webinars
conducted in 1,611 community banks and Internet video
training in 57 member banks;
• trained more than 7,600 people;
• achieved a rating of "excellent" or "very good" on
94 percent of its evaluations; and
• created 13 new programs utilizing 12 new speakers.
Webinars — These 90-minute seminars have become one of
the most popular training delivery systems among community
bankers. Webinars allow unlimited listeners who are also able
to view online visuals as the presentation is delivered. Banks
may also purchase the on-demand link, which provides access
to the audio, visuals, and handouts for six-months after the
webinar for viewing as many times as desired. CBAI offered
118 webinars on timely topics such as social media, appraisals,
call reports, and compliance changes, as well as the popular
directors' series, and much more. A record number of 3,222
bankers participated.
Directors’ Training — CBAI's expansive directors' training
program included the traditional December Directors' Conference featuring Jim Mathis presenting his program “Reinvention
Made Easy: Change Your Strategy, Change the Outcomes”; Ed
Krei of THE BAKER GROUP discussing investments; Mike
Mahorney from Nicoud Insurance and Matt Maris from Rogers
Benefit Group on healthcare reform; and Jeff Rigsby of CB
Resource, Inc. and Kent Fisher, of Vavrinek, Trine, Day & Co.
on Basel III, as well as six firms displaying the latest in bank
products and services. Three individuals graduated from the
Community Bank Directors' College. During the spring, CBAI
conducted a one-day seminar featuring Ken Proctor of Abound
Resources in two locations. A total of 231 directors from 76
banks participated in CBAI's directors' training.
CEO and Senior Lender Forums — Designed to provide an
opportunity for community bank CEOs to discuss important
issues with their peers, CBAI joined forces with the accounting
firms of BKD, LLP; Crowe Horwath LLP; and Wipfli, LLP, to
facilitate the CEO Forums. This year, 84 CEOs in seven groups
participated. Available to CBAI members only, each group of
non-competing bankers establishes its own meeting dates,
locations, and agendas, which often include guest speakers.
This year, 49 senior lenders are participating in four groups,
which are similar to the CEO Forums and are facilitated by
Paul Sims, founder and CEO of Guided Solutions, Franklin, TN.
Marketing and Operations/Technology Groups — CBAI
sponsored two Marketing Groups, facilitated by Lori PhiloCook, which attracted 26 participants. Similar to the CEO
Forums, marketing directors from non-competing banks
exchange ideas during quarterly meetings. CBAI also offered
five Operations/Technology Groups, which attracted 46 individuals, and are facilitated by the accounting firms of BKD, llp
and Wipfli, LLP. CBAI also developed and sponsored two
Branch Managers' Forums with 14 participants, also facilitated
by representatives of BKD, LLP and Wipfli, LLP..
Lending Programs — These programs include one-day seminars, as well as the Agricultural Lenders' Conference, and four
institutes. Programs are designed to keep lending personnel on
the cutting-edge and include loan review, loan documentation,
compliance, appraisal review, impaired loans, and more.
Attending the one-day seminars during the 2013 fiscal year
were 694 bankers from 482 banks.
The Consumer Lending Institute, a three-day mini-school,
focuses on the consumer loan process from interviewing to
closing requirements. Attention is given to factors contributing
to good credit decisions. Lending to self-employed borrowers
and sound collection techniques are also key topics. David
Kemp, president of Bankers' Management Inc., is the primary
instructor. Twenty-five bankers from 21 banks participated in
this program.
The Residential Real Estate Lending Institute, another
three-day school, provides the real estate professional with a
solid foundation for producing and managing a quality mortgage portfolio. David Kemp, president of Bankers' Management Inc., also heads this distinguished faculty. Now in its 15th
year, this program attracted 52 bankers from 34 banks.
The Commercial Lending Institute focuses on analytical
tools such as ratio-, financial-, and cash-flow analysis, as well
as commercial loan structuring to enhance loan-repayment
capacity. Jeffery Johnson, president of Bankers Insight Group,
heads up the talented faculty for this program which attracted
25 bankers from 21 banks. The Advanced Commercial Lending
Institute also attracted 13 bankers from 10 banks.
The Agricultural Lenders’ Conference featured such nationally recognized speakers as Mike host of Market to Market;
Leigh Lamb from Diversified Services; Steve Turner from Baird
Holm, LLP, and Dr. Barry Flinchbaugh, Kansas State University.
Four organizations participated in the mini-exposition, and 76
bankers from 48 community banks attended.
The Certified Community Lender (CCL) program professionalizes the position of the community-bank lender by establishing a standard of knowledge for community bank lenders.
To become a CCL, a lender must have had a minimum of three
years of experience and passed a six-hour exam. To maintain
the designation, the CCL must complete 24 hours of continuing
Education (continued)
education every two years. Now in its ninth year, 23 individuals have earned the CCL designation in Illinois.
Compliance Programs — The highly successful Community
Bankers for Compliance (CBC) Program, now in its 25th
year, attracted a record number of 127 banks and 181 bankers
as CBC members, as well as many others on a one-day basis,
for a total attendance of 1,079 bankers. Providing up-to-date
information on bank regulations and compliance programs, the
CBC program encompassed quarterly meetings, comprehensive
manuals, monthly newsletters, members-only web site, and
toll-free access to the consulting firm of Young & Associates,
Inc. This year, CBAI is offered several enhancement options to
the CBC program, where participants could choose to register
for the basic CBC program, which had no change in pricing or
benefits from the previous CBC program, or they could choose
to add on additional tiered enhancement options, including
quarterly webinars.
The Compliance Institute, a five-day program with Session I
focusing on Operations/Deposit Compliance and Session II
dealing with Lending Compliance, addresses the responsibilities and functions for a compliance officer, an overview of the
regulatory agencies, the regulatory examination process, and
an in-depth discussion of "must-know" regulations. Bill Elliott,
senior consultant and manager of compliance with Young &
Associates, Inc., teaches this successful institute. Session I
attracted 26 bankers from 22 banks, while Session II attracted
32 bankers from 27 banks.
CBAI also offered the Bank Secrecy Act Institute and Home
Mortgage Disclosures Act seminar. Bill Elliott from Young
& Associates, Inc., led these successful programs. Nineteen
bankers representing 17 banks participated in the Bank Secrecy
Act Institute and 44 bankers representing 27 banks participated
in the Home Mortgage Disclosure Act seminar.
Seminars/Conferences — CBAI conducted 16, one-day
seminars and conferences in 21 locations attracting 557 individuals from 405 banks. Topics ranged from IRA, leadership,
sales training, investments, and various operational topics.
CBAI again offered the successful Women in Community
Banking Conference in the fall and the seventh annual Community Bank Marketing Conference in the spring, as well as
the CFO Conference.
Front-Line Training — CBAI trained 253 individuals from 143
banks at a variety of programs developed specifically for frontline staff. Programs included seminars geared to the teller and
head tellers.
Technology — Because of the importance of technology to
community bank management, CBAI offered the Technology
Conference. This conference featured the topics emerging technologies, mobile devices, vendor management regulations,
technology & security, cyber-crime, compliance, and payment
systems. Participating in
this conference were 83
bankers from 54 banks,
as well as 25 exhibiting
firms. CBAI also offered
a one-day seminar on managing your information
systems. Participating in this seminar was 45 bankers from
31 banks.
Internal Auditing — “Auditing IT & ACH,” “Auditing Fair
Lending,” and “Auditing Reg Z & RESPA” were this year's topics, presented as day-long seminars that delivered important
information to 65 bankers from 53 banks.
Community Bankers School — The Community Bankers
School educated 71 individuals (Classes I & II combined). The
School, co-sponsored by CBAI, ICBA, and eleven other community-banking counterparts across the nation, provides broad
exposure to the important elements of community banking:
operations, lending, management, and other skills that contribute to the overall success of the bank. The nationally recognized faculty, led by David Kemp from Bankers Management,
Inc., draws from years of actual community banking experience. The School is held one week each year for two years,
with Classes I and II meeting concurrently.
IRA Seminars — CBAI and Wolters Kluwer co-sponsor IRA
training in Illinois. Topics include required minimum distributions, rollovers and direct rollovers, beneficiary options, health
savings accounts, and more; 290 community bankers participated in the IRA Seminars.
Banking Essentials — The Banking Essentials Series provides
a complete knowledge of banking principles and operations to
newer community bank employees. With sessions held twice a
year in Springfield, 92 individuals from 71 banks took part. A
certificate of completion was awarded to the individuals completing all four quarters.
Internet Training — An exclusive agreement with Bankers
Edge of Eagleville, PA, provides CBAI members a comprehensive catalog of online training courses, each designed to ensure
that employees are receiving the most up-to-date and accurate
training in the industry. The breadth of the courses supports
regulatory compliance, essential financial skills, and professional skills. Fifty-seven banks are now utilizing these services.
Legal Link
Legal Link is a special service that offers CBAI members free
access to CBAI's general counsel for general legal and regulatory questions. Legal Link was the first such program offered
by a trade association representing financial institutions in Illinois. Its primary objective is to provide a central legal resource
for information pertaining to state and federal banking laws,
regulations and interpretive rulings issued by regulatory agencies, as well as case law relevant to bank practices.
During this past year, CBAI members or their legal counsels
utilized Legal Link with nearly 200 inquiries through written
correspondence, e-mails, and telephone calls.
Legal Link also brings relevant information and opinions to the
attention of CBAI members through the “Legal Link” column
that appears in each issue of CBAI's Banknotes magazine and
through updates provided to CBAI members via fax, e-mail or
on CBAI's web site (www.cbai.com).
In addition, CBAI's general counsel is occasionally called upon
to author comment letters advocating on behalf of community
banks against new and burdensome regulatory proposals.
The Legal Link Library, available on-line to CBAI members on
a “Members Only” basis, continues to grow, with ten new
commonly-asked questions and answers added to the “Q-&-A”
section in the past year. In addition to questions pertaining to
typical lending or deposit situations, many of the questions
addressed in the Library's “Q-&-A” section pertain to HR issues
or scenarios. The Library also includes articles, comment letters
and other legal and regulatory summaries authored by CBAI's
general counsel.
CBAI's legal division also monitors and occasionally participates in court cases that could affect Illinois community banks.
In the past year, CBAI has updated members on the reversal of
bankruptcy court rulings in 2012 that jeopardized bank's security interests in bankruptcy situations. CBAI's general counsel
also promptly circulated to CBAI members a summary of the
new mortgage foreclosure practice rules issued by the Illinois
Supreme Court in February, 2013.
Not all legal or regulatory
inquiries can be answered
through the Legal Link
service. CBAI's general
counsel cannot speak for
the state and federal regulators that might ultimately
have authority to determine
a particular issue. Also, the
Legal Link program and
CBAI's general counsel are
not intended as substitutes for a bank's own attorney.
There will often be circumstances where it is inappropriate for
CBAI's general counsel to give legal advice or direction to a
bank that may need to consult with its own attorney for more
personal and "hands on" legal stewardship. For example,
Legal Link would not be an appropriate resource for drafting
or reviewing contracts between a bank and a customer or vendor. Similarly, Legal Link could not provide the legal attention
that is warranted when the issue might involve litigation
brought by or against the bank. In such instances, the CBAI
member is encouraged to seek out the legal assistance of bank
counsel. However, since the service is free-of-charge to CBAI
member banks, it does not cost anything to contact CBAI's
general counsel to ask for assistance; if legal assistance is
beyond the scope of Legal Link, your bank will be so informed
at that time.
Legal Link is a free CBAI member benefit.
For answers to your general, banking-related
legal questions, contact Jerry Cavanaugh
in the "Members Only" section
of the CBAI web site, www.cbai.com.
Legal Link is a CBSC-sponsored service.
Membership
NEW MEMBERS
CBAI's active membership ended the fiscal year with 385 member financial institutions, representing 70 percent of all Illinois charters. Financial institutions joining
CBAI as new members totalled 11. New
associate member firms totaled 24, thereby increasing the total to 159 as of
6/30/13, and underscoring the importance of community banks as important
marketing partners to many businesses.
RECRUITMENT
Bradley Schaufenbuel, Midland States
Bank, Effingham, won the 2012-2013
new member recruitment prize of $500
during the CBAI Convention. His name
was drawn from among the names of
bankers who assisted CBAI staff in
recruiting new members this year;
a new winner is chosen each year. All
member bankers are eligible for the
recruitment prize; in addition, a donation
is made in his/her name to the CBAI
Foundation for Community Banking.
CBAI associate members who assist in
recruiting receive $50 for a new associate
member firm and $100 for assistance
with a new bank member. This year, four
bankers and five associate members were
recognized for their assistance in recruiting new members.
New Members
(Joined 7/1/12 - 6/30/13, alphabetical by city)
Bank of Belleville, IL
First State Bank, Bloomington
Home Federal Savings & Loan Association of Collinsville, IL
First State Bank of Forrest
Merchants and Manufacturers Bank, Joliet, IL
Banterra Bank, Marion
South Porte Bank, Marion
First State Bank, Monticello
United Community Bank, Oakwood
First Farmers Bank & Trust, Paris
The National Bank & Trust Co., Sycamore
New Associate Members
(Joined 7/1/12 - 6/30/13, alphabetical by firm name;
located in IL unless noted otherwise)
BancLease, Sikeston, MO
BankOnIT, Oklahoma City, OK
BOS Financial Services, Springfield
Bristol Customs Solutions, Wheeling
Cardinal Software, Johnston, IA
Cetera Financial Institutions, St. Cloud, MN
Compushare, Inc., Lisle
Continuity Control, New Haven, CT
Great Lakes Financial Partners, Rosemont
Guardian Analytics, Mountain View, CA
Identi-Check, Inc., Springfield
iZale, Schaumburg
Glen Krebs Associates, LLC, St. Louis, MO
Lee & Mason Financial Services Inc., Louisville, KY
Mortgagebot LLC Mequon, WI
Harold O'Shea Builders, Springfield
Premier Home Mortgage, Inc., Yorkville
R & R Recovery LLC, Sheffield
21st Century Financial Services, Austin, TX
SomerCor 504,Inc., Springfield
Somercor, 504, Inc (Add'l Office), Chicago
Stratman Solutions, Davenport, IA
VGM Forbin, Waterloo, IA
Wolf & Company LLP, Oakbrook Terrace
Special Events
CBAI GROUP MEETINGS 2013
Group meetings are designed to provide members with an opportunity to:
• discuss issues affecting community
banks;
• gain a more thorough understanding
of CBAI and its offerings; and
• meet new people and renew old
friendships.
Scenes from 2012 Annual Convention & Exposition
CBAI visited 11 locations for the 2013 Group
Meetings, attracting audiences totaling nearly 900
individuals. The meetings offered a unique
opportunity to network, socialize with peers,
catch up on association activities, and discuss
hot banking topics. More than 600 bankers from
155 banks, as well as 178 representatives from
119 associate member firms, 43 guests, and staff
members participated.
During each meeting, CBAI President Bob
Wingert provided an update on association activities. Kraig Lounsberry, senior vice president of
governmental relations briefed attendees on federal and state legislative activities. Finally, in
Groups 4 through 13, Felix Brandon Lloyd,
founder and ambassador of BancVue's Money
Island® division, discussed current trends in
financial literacy in the banking profession and
how you can offer a financial-education experience that builds relationships with countless
schools and families. The Groups 1, 2, & 3 Meeting featured FDIC Deputy Regional Director
Cheryl A. Couch.
Group Meetings 4 - 13 included an optional golf
outing and door-prize drawings. The CBAI
Career Development Division conducted a “skins
and mulligans game” at each of the golf tournaments, with the proceeds benefiting Community
BancPac. More than $1,500 in prizes was given
to participating bankers at each of the Group
Meetings, including a grand prize of $500 in
cash. At the odd-numbered group meetings,
CBAI members elected CBAI Group Directors to
serve a two-year term beginning October 1.
CBAI CONVENTION 2012
CBAI's 38th Annual Convention and Exposition
was conducted September 20-22 at the Hyatt
Regency at The Arch in St. Louis, MO. The convention, “Building for Tomorrow,” attracted 235
bankers from 117 banks; plus 96 exhibits with
the latest in products and services. These attendees, along with associate members from 10
firms, speakers, staff, and 150 guests, combined
for a total of more than 675 attendees.
(Clockwise from top left)
CBAI attendees model their “Building for Tomorrow”
limited-edition t-shirts.
Dancing to Paul Revere and the Raiders.
Scott Hedden, Heritage Bank, Trivoli, greets Bob Klobe and
Celine Kacmarek of Chubb Insurance Group of St. Louis, MO.
Another packed education-session audience.
Communications
PUBLIC RELATIONS/ADVERTISING
Community Banking Week — April 1-6, 2013 was the 23
Annual Illinois Community Banking Week. Free marketing
materials were made available to all CBAI member banks for
publicizing the event.
dent Community Bankers Association at the federal level and
serving as a member of its Mutual Bank Council and Regulation Review Committee. She was also has been named chairman of the newly formed Community Bank Advisory Council
for the Consumer Financial Protection Bureau (CFPB).
A Real Community Bank® Identity Program — ARCB is an
ongoing public relations effort to promote community banking
revolving around the theme, “A Real Community Bank®.”
Free image materials for CBAI members only are available
online at www.cbai.com.
The BKD Award for Excellence — The
BKD Award spotlights exemplary community banks and is sponsored by BKD LLP.
The panel of judges selects a bank to
honor at the CBAI Annual Convention.
The 2012 winner was Peoples' Bank of
Kankakee County, Bourbonnais. The
bank was the first Illinois bank to test
MoneyIsland®, an innovative financial literacy tool from BancVue. However, upon
discovering that it did not fully meet the
Illinois standards for a core curriculum, the
bank pursued and helped to implement
crucial changes and improvements which
resulted in benefitting every community
bank now using the MoneyIsland program.
RD
Consumer Tips Columns — CBAI members have free use of
any of these tips for their newsletters (10 new tips every year).
RECOGNITION PROGRAMS
Patron of Community Banking — The Association highlights
member banks with a history of advocacy for their communitybanking association by supporting it through specific, measured involvement in all CBAI departments and events. This
award was given in 2012 to:
Scott State Bank, Bethany
CNB Bank & Trust, N.A., Carlinville
Buena Vista National Bank of Chester
The First National Bank of Dieterich
The Fisher National Bank
German-American State Bank, German Valley
The Farmers Bank of Liberty
The First National Bank, Mattoon
First National Bank of Okawville
The First National Bank of Raymond
Rushville State Bank
Bank of Springfield
State Bank of Toulon.
Outstanding Member — The CBAI staff annually selects the
member banker who exemplifies involvement in the Association above the norm. The 2012 winner was Robin Loftus,
Security Bank, s.b., Springfield. Since 1998, Loftus has been
involved in virtually every aspect of CBAI,
having served in all phases of leadership as a
group director, treasurer, and as chairman in
2010. She has testified on several occasions
before various governing bodies, including
the Illinois House Financial Institutions Committee during the height of the financial crisi.
She addressed the Governor's Business Summit on Jobs, emphasizing that small business2012
es and the community banks that serve them
Outstanding
are the engines that drive local economies
Member Robin
and are vital to economic recovery. As CBAI
Loftus
education committee chairman, Loftus was a
major force in the development of the now
popular Directors' College and Women in Banking Conference.
As a member of the CBSC board of directors, she volunteered
her bank to beta-test several new and innovative services. She
is now applying her considerable expertise with the Indepen-
Pam Dunlap,
Peoples Bank of
Kankakee County,
Bourbonnais, with
BKD Award
Anniversary Recognition Programs —
CBAI member banks attaining 100 years of serving their communities are honored each year in January. Additionally,
bankers whose professional ties to banking span 50 years are
eligible for recognition with a special award. This year, a
record 13 individuals joined the 50-year club: Alice Thorman,
Morton Community Bank; Irving Loundy, Devon Bank,
Chicago; Larry Herron, The First National Bank in Raymond; Alice Woodrum, State Bank of Niantic; R. H. "Bud"
Havens, Elkville State Bank; Jacquelyn Schwankhaus, First
National Bank, Okawville; Charles Guenzler, Exchange
State Bank, Lanark; Georgia Hicks, State Bank of Toulon;
Larry West, State Bank of Toulon; James R. "Stix" Lampe,
Germantown Trust & Savings Bank, Breese; Frederick D.
Johnson, Brimfield Bank; William Richelman, First State
Bank of Campbell Hill; and W. Gerard Huiskamp, Blackhawk Bank & Trust, Milan.
PUBLICATIONS
Annual Report — Cover to cover, the CBAI Annual Report
details all of the Association activities of the previous year.
Each department summarizes its most important achievements
during the year, and identifies some of the key areas of concentration for the year to come.
Banknotes — More than 5,000 individuals regularly read
CBAI’s award-winning Banknotes magazine, a vital link
between the Association and its members. Articles detailing
Association activities and contributions from qualified guest
authors, make Banknotes interesting reading. Member banks,
their directors, CDD members, and associate members receive
a free copy of Banknotes; subscriptions are available for
$36/year. CBAI also has an “Add-an-Officer” program, whereby
a banker can receive CBAI information that goes to the main
Communications (continued)
bank contact for just $120/year. For more on subscriptions or
advertising, contact the Department of Communications at
cbaicom@cbai.com. A CBSC-sponsored service.
Capitol Fax Newsletter — A free member benefit, Capitol
Fax is the most definitive and important political publication in
Springfield. Capitol Fax provides inside political information
each day the Illinois General Assembly is in session and weekly when legislators are in recess. Many major political developments are scooped by Capitol Fax Editor Rich Miller, and the
publication is read religiously by every lobbyist and elected
official in Springfield. A CBSC-sponsored service.
Compensation Survey — Now in its 24 year, the CBAI Officer Compensation Survey benefited from the input of 200 community banks to compare the base salaries, benefits, and
bonus opportunities of key officers. The survey was largely
conducted online in the Members’ Only section of the CBAI
web site. It also measures the base salaries of support personnel and directors’ fees. Unlike other surveys, CBAI’s instrument
measures the data of only Illinois community banks, then
cross-references them by asset size and geographical location.
Results are free to CBAI members that participate; they may be
purchased by non-participants.
RD
Electronic Newsletter — CBAI launched an electronic
newsletter in January of 2008, which reaches 5,000+ individuals. Sent out biweekly, it answers members’ requests for a
timely, condensed, electronic communication focusing on
issues of importance to community banking in Illinois. Its purpose is to keep those with an interest in community banking
apprised of current events. If you are not receiving the e-news
from CBAI, contact the Department of Communications at
cbaicom@cbai.com. A CBSC-sponsored service.
Illinois Financial Institutions Directory & Fact
Book — This CBAI
publication provides
vital information on
every financial institution in Illinois. The main officers, directors, assets, hours, holding-company affiliation and other data
on each are included, as are other pertinent facts. The Buyers'
Guide details the offerings of companies doing business with
community banks. Each CBAI member financial institution
and associate member firm receives a complimentary copy
of the Illinois Financial Institutions Directory & Fact Book;
additional copies can be ordered by calling the publisher
at 800/321-3373.
News from the Front — Produced continually during the legislative session as events unfold, News from the Front provides
timely reports on legislative events in Springfield and Washington. It summarizes pending legislation, reports on bills’ ultimate
fates, and identifies areas in which member bankers can help
shape the destiny of community banking.
CBAI established the CBAI Foundation
for Community Banking in 1996 in furtherance of its mission to professionally
serve and support member banks
through every available channel, and to
promote the community banking philosophy. The Foundation is also intended to
increase public awareness of community
banks and their many contributions to
economic and social development.
The Foundation offers annual scholarships for high-school seniors (see next
page) to help deserving students further
their educations. To fund these scholarships, A Key to the Future of Community
Banking, a fund-raising campaign for the
Foundation, was created with an initial
goal to endow the CBAI Foundation
Scholarship Programs at their present levels. As of this fiscal year-end, outside
contributions and pledges were $768,000,
and the CBAI corporate family has also
contributed $290,000 to the Foundation
for total donations of $1,058,000. Donations are 100-percent tax deductible, as
allowable by law.
NEW CAPITAL CAMPAIGN
In 2012, the CBAI Foundation Board
authorized development of a major campaign to materially increase the funding
for scholarships and other educationrelated endeavors.
To date, more than $300,000 in pledges
and donations have resulted, but much
more is needed to realize the goal of
increased award money for deserving
students and raising the profile of community banks and their many contributions to the economy.
The number of awards to deserving highschool students through the Annual Essay
Contest has doubled; the awards to the
children and grandchildren of community
bankers have increased to two, four-year
scholarships, and a new scholarship to
the Community Bankers School has been
introduced. The total of awards offered
per year has increased to $33,500!
Honoring Donors — The CBAI
Foundation for Community Banking has
established a timeless donor recognition
wall to identify major contributors to
Silver Level
• Jerry Cavanaugh, CBAI, Springfield
• Citizens Bank of Cropsey (Includes
Donations In Memory of Bud Herr; In Honor of
C. Dean Easton, In Honor of John Bammann;
In Honor of Bill Lannon; In Memory of J. Myron
CBAI FOUNDATION FOR COMMUNITY
BANKING LEVELS OF GIVING
PRESIDENTIAL — $100,000
DIAMOND — $50,000 - $99,999
PLATINUM — $25,000 - $49,999
GOLD — $10,000 to $24,999
SILVER — $5,000 to $9,999
BRONZE — $2,500 to $4,999
(Donations are cumulative and may be made
over a period of years.)
the CBAI Foundation for Community
Banking. Located at CBAI headquarters in
Springfield, this wall is a grateful
acknowledgement of the donors who
give so generously to the Foundation.
Presidential Level
• BancVue
• SHAZAM® Network & Illinois
Transfer Service, Rock Island
Diamond Level
• THE BAKER GROUP
•Chicago Federal Home Loan Bank
Platinum Level
• Career Development Division of
CBAI (CDD)
• CNB Bank & Trust, N.A.,
Carlinville
Gold Level
• Crittson Financial Services,
Elkhart, IN
• Scott Bancshares, Inc., Bethany
• The Fairfield National Bank
• Community Bank of Galesburg
• Richard Hiatt, Foundation
Chairman (Includes Donation In
Memory of Robert D. Knapp)
• The First National Bank,
Mattoon (Includes Donation In Memory of
Heins; In Honor of Robert Shambrook; In Memory
of William C. Harris; In Honor of Perry Pratt and
Owen Pratt)
• Dewey State Bank
• The Harvard State Bank
• The Farmers Bank of Liberty,
Mark G. Field
• Lisa J. Lippert, CBAI, Springfield
• The Farmers & Merchants National
Bank of Nashville
• The First National Bank, Okawville
• First National Bank of Raymond
• The SHAZAM® Network (In Memory
of Daryl Barklow)
• Independent Bankers’ Bank,
Springfield (In Memory of William C. Harris)
• Sauk Valley Bank, Sterling
• State Bank of Toulon (In Memory of
Clifton W. Webster)
• Citizens First State Bank, Walnut
• Brad & Peggy Vail (In Honor of Andy
Ruments)
• Bob and Diane Wingert, CBAI,
Springfield
• Bill Wubben, Apple River State Bank
Bronze Level
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Douglas Hembrough)
• Rushville State Bank
• The Citizens National Bank
Toluca, Spring Bay, Minonk,
Washburn
• State Bank of Toulon (first donor)
• The First National Bank in
Tremont (Includes Donation In Memory
of William C. Harris)
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The State Bank of Blue Mound
Buckley State Bank
Buena Vista National Bank, Chester
Andrea C. Cusick, CBAI, Springfield
First National Bank of Dieterich
Durand State Bank
Farmers State Bank, Elmwood
The Fisher National Bank
German-American State Bank, German Valley
Grand Ridge National Bank
Farmers National Bank of Griggsville
North Central Bank, Hennepin
Henry State Bank
Farmers & Merchants Bank of Hutsonville
(Includes Donation In Memory of William
C. Harris)
David E. Manning, CBAI consultant,
Springfield
National Institute for Community
Banking, Inc.
Bank of Illinois, Normal
Old Exchange National Bank, Okawville
First National Bank in Pinckneyville
CBAI Foundation for Community Banking (continued)
• David Pirsein, First National Bank,
Pinckneyville
• Bank of Pontiac
• State Street Bank & Trust Co., Quincy
• Raritan State Bank
• Jeff Rolczynski, American Midwest Bank,
Sycamore
• In Honor of Larry Rost, Fairfield National
Bank
• Valley Community Bank, St. Charles
• Bank of Springfield (Includes Donations In
Memory of Jack A. Marantz; In Memory of
T. Edward McEvers)
• Security Bank, s.b., Springfield
• State Bank of Toulon (In Memory of
William C. Marshall)
Other Contributors
• Steve Akers, State Street Bank & Trust Co.,
Quincy
• Ray Altmix, The Bank of Marion
• Citizens National Bank of Albion
• Mark Altadonna, State Bank of Waterloo
• Randy Alderman, Bradford National Bank,
Greenville
• Anchor State Bank
• W. Franklin Appleby, The Peoples’ Bank of
Arlington Heights
• The Peoples’ Bank of Arlington Heights
• Scott Arnold, Durand State Bank
• James Ashworth, CNB Bank & Trust, Carlinville
• Austin Associates, Inc., Toledo, OH
• BKD, LLP, St. Louis, MO
• Daryl & Leisa Barklow, East Dubuque
Savings Bank
• Susan Barrett, Illiopolis
• Kevin Beckemeyer, Legence Bank, Eldorado
• Clay Belongia, Aurora
• Jeff Bonnett, Havana National Bank
• Bill Brenner, Riverside Community Bank,
Rockford
• Brimfield Bank
• Buckley State Bank
• American Enterprise Bank, Buffalo Grove
• Tina Callaway, Farmers & Merchants Bank,
Hutsonville
• Bank of Carbondale
• Marine Trust Company of Carthage
• Erie Chappel, First National Bank, Vandalia
• Pacific Global Bank, Chicago
• Patricia Clarke, First National Bank of Raymond
• Peoples State Bank of Colfax
• Community BancInsurance Services, Inc.
• William A. Coolley, Longview Capital Corp.
• Butch Cotter, Flanagan State Bank
• Tanya Cowan, Buena Vista National Bank, Chester
• Shawn Davis, Carlinville National Bank
• State Bank of Davis
• Brian DiBona, Marengo
• James Dingman, BankORION
• R. Keith Douglass, Tompkins State Bank, Avon
• Debra Doyle, North Central Bank, Hennepin
• Deb Durando, Mazon State Bank
• ECI Companies, Austin, TX
• Dean & Becky Easton (In Memory of Bill
Lannon, Saunemin)
• Gary & Pam Edwards
• Farmers State Bank, Elmwood
• Joanna Engels, North Central Bank,Hennepin
• Rip & Bev Everett (In Memory of Harry Wilson)
• Bank of Farmington
• Mark Field, The Farmers Bank of Liberty
• First East Side Savings Bank, Tamarac, FL
• Mike Fleming, Litchfield National Bank
• Mary Ann Flynn, the Peoples’ Bank of Arlington
Heights
• Larry Franklin, Cornerstone Bank, Alton
• Matt Gambs, Diamond Bank, FSB, Schaumburg
• Christopher Gavin, Midwest Bank of Western
Illinois, Monmouth
• Bank of Gibson City
• Monica Glenny, Rockford Bank & Trust Co.
• Thomas Gooding, First Community Bank
of Hillsboro
• Chris Gordon, Franklin Bank
• Gary Graham, Carlinville National Bank
• State Bank of Graymont
• Todd Grayson, South Central Bank, Chicago
• Kelly Green, Herrin Security Bank
• Mary Jane Gundersen, North Central Bank,
Hennepin
• Jim Hahn, Palmer Bank, Taylorville
• Farmers State Bank, Harrisburg/Alto Pass
• Charles Helleny, Herrin Security Bank
(In Memory of Doug Hembrough)
• Leonard Hemminghaus, Mazon State Bank
• Larry Hempel, Bank Aide, St. Louis
• First Community Bank of Hillsboro
• Gordon Honegger, Morton Community Bank
• Jay Huetsch, State Bank of Waterloo
• Jack Impey, Town & Country, MO
• Richard Jameson, Morton Community Bank
• Gerald Johnson, Grand Ridge National Bank
• John Jones, Independent Bankers’ Bank,
Springfield
• Tom Jones, Foundation Ambassador
• Brian Kiley, First East Side Savings Bank,
Tamarac, FL
• Randall J. Kestner, Auburn
• James Lampe II, Germantown Trust & Savings
Bank, Breese
• Bill Lannon, State Bank of Saunemin
• Joe Leenerts, Herrin Security Bank
• Roger Lehmann, The Harvard State Bank
• State Bank of Lincoln
• Robin Loftus, Security Bank, s.b., Springfield
• Robert Lott, Farmers State Bank, Elmwood
• David Loundy, Devon Bank, Chicago
• Pam Lowrance, Springfield
• First Security Bank, Mackinaw
• Frank & Jeanette Madden
• Michael Mahair, State Street Bank and Trust Co.,
Quincy
• Tom Marantz, Bank of Springfield
• First National Bank of Marengo
• Maroa Forsyth Community Bank, Maroa
• Bryan Marsh, First National Bank in Carlyle
• Bob Marshall, Illini State Bank, Tonica
(In Memory of Bill Lannon, Saunemin)
• Chad Martin, Goodfield State Bank
• Cindy Martin, Lena State Bank
• Mazon State Bank
• Sandra McAvoy, Chatham
• Tony McLain, Gifford State Bank
• Tim McConville, First State Bank, Mendota
• Scott McCoskey, Tremont
• Dirk Meminger, Sauk Valley Bank, Sterling
• Bank of Montgomery
• Art Murray, Citizens State Bank, Milford
• Gregg Nelson, The State Bank of Geneva
• Nichelle Nichols-Humphrey, State Bank of
Toulon
• Tom Niebrugge, First National Bank of Dieterich
• Frank Novel, Metropolitan Capital Bank, Chicago
• Patrick & Madelyn O’Brien, HomeStar Bank,
Manteno
• Palos Bank & Trust, Palos Heights
• Doug Parrott, State Bank of Toulon
• Barbara Peryer, CenterBank & Trust, N.A.,
Manteno
• Joe Peterson, Morton Community Bank
• Paul Pogue, North Adams State Bank, Ursa
• Freestar Bank, N.A., Pontiac
• Jeff Rabenort, Okawville
• Gerald Reed, First National Bank, Brownstown
• Mark Ribelin, Springfield
• Greg Richardson, Fairfield National Bank
• “Rinky Dinks” (Includes Donations In Memory
of Jack A. Marantz, In Memory of Al Barroni)
• Gregg Roegge, Rushville State Bank
• Sharon Rush, Tallula
• Delmar Sandage, Buena Vista National Bank,
Chester
• State Bank of Saunemin
• Bradley Schaufenbuel, Midland States Bank, Effingham
• Jim Schneiderman, German-American State
Bank, German Valley
• Kent Schwerin, Flanagan State Bank
• Sam Scott, Scott State Bank, Bethany
• SEICO Security Systems
• James Shafer, The First National Bank in
Tremont
• Josh Shallenberger, Community Banks of Shelby
County, Cowden
• Carol Sims, First Farmers State Bank, Minier
• Anthony Sisto, STC Capital Bank, St. Charles
• Sumner National Bank, Sheldon
• Kent Siltman, Citizens First State Bank of Walnut
• Kristi Smith, North Central Bank, Hennepin
• Kathy Spratt, North Central Bank, Hennepin
• Dennis Stephens, State Bank of Saunemin
• First Community State Bank, Staunton
• Chuck Strayer, Lisle
• Mary Sulser, Buena Vista National Bank, Chester
• Summit Financial Solutions, Jefferson City, MO
• Farmers Bank of Sublette (In Memory of William
C. Harris)
• Donald Tate, Crossroads Bank, Effingham
• Karl Tauber, Friend of Community Banking &
Foundation Ambassador
• H. Wayne Taylor, Bank of Pontiac
• Andrew Tinberg, Oak Forest
• Dianna Torman, Prairie Community Bank, Marengo
• North Adams State Bank, Ursa
• First State Bank of Van Orin
• Luanne Vescogni, North Central Bank, Hennepin
• Bob Viering, Sterling
• Sue Volkert, Bank of Montgomery
• David Ward, North Central Bank, Hennepin
• Paul J. Washkowiak, Springfield
• Louis Wasilewski, North Central Bank, Hennepin
• State Bank of Waterloo
• Welch Systems, Inc., Peoria
• Dennis Wendte, Barack Ferrazzano Kirschbaum
& Nagelberg LLP
• Omar Wilhems, First State Bank of Shannon-Polo
• Laura State Bank, Williamsfield
• Aubrie Wall, North Central Bank, Hennepin
• Regina Wiseman
• Louis Wasilewski, North Central Bank, Hennepin
• Bank of Yates City
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Staff
Andy Burkett, CBSC
Mike Duke, CBSC
Terry Griffin, CBAI
Valerie Johnston, CBAI
Michael W. Kelley, CBSC
Kraig Lounsberry, CBAI
Melinda McClelland, CBAI
Tracy Z. McQuinn, CBAI
Rebecca Ridgeway, CBAI
Melissa L. Roberts, CBAI
CBAI Foundation for Community Banking (continued)
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David Schroeder, CBAI
Levette Shade, CBAI
Megan Peck, CBAI
Judy Wheaton, CBSC
Bobbi Watson, CBAI
WILLIAM C. HARRIS MEMORIAL &
SHAZAM® SCHOLARSHIPS
The William C. Harris Memorial Scholarship is $4,000 ($1,000 a year for up to
four years of higher education).* The
SHAZAM® Scholarship is a one-time
$2,000 payment.* The 2012 winners of the
two scholarships were David Edstrom,
sponsored by American Enterprise
Bank, Buffalo Grove; and Helena
Xeros, sponsored by Grand Ridge
National Bank.
(*2012 was the last year the Wm. C. Harris
Memorial Scholarship was offered. In 2013,
the SHAZAM Scholarship was increased to
$1,000 per year for up to four years of higher
education and a new award, the BancVue
Scholarship, was added for the same
amount, also over a four-year period.)
Eligibility: CBAI member banks contributing or pledging at least $2,500 to the
Foundation may participate. They may
nominate children and grandchildren of
CBAI-member bank employees, directors,
and officers, plus part-time bank employees, who are entering their freshman year
of undergraduate school. The child
remains eligible via grades and full-time
student status.
Submission: The number of names a
bank can submit are dependent upon its
donations to the Foundation. Contributions are cumulative. Drawing: The winning students' names are drawn at the
CBAI Annual Convention. One student
may not win both.
ANNUAL SCHOLARSHIP PROGRAM
The 27th Annual Scholarship Program conducted by the CBAI Foundation for Community Banking motivated 181 highschool seniors representing 82 member
banks to ponder the essay question,
“How do community banks make dreams
come true?” The first-place scholarship of
$1,000 per year for up to four years was
awarded to Ryan Feldmann, sponsored
by Goodfield State Bank (Group 8). His
school also received a check for $500.
Winners of $1,000 Scholarships
The judges of the Scholarship Program
bestowed the following $1,000 gifts:
Samuel Brush (sponsored by Community
Bank of Elmhurst); Alyssa Hepker
(American Midwest Bank, Sycamore);
Peter Basile (tate Bank of Davis and
Durand State Bank); Hannah Teske,
(Buckley State Bank); Emilie Norzagaray
(Raritan State Bank); Adam Wooldridge
( Rushville State Bank); Sarah Bradbury
(The First National Bank, Mattoon);
Megan Cox (Bank of Springfield); Brandon Leonhardt (Old Exchange National
Bank, Okawville); Ava Paruleski (First
State Bank of Beecher City); and Joan
Shang (Herrin Security Bank).
For the first time, $500 was offered to the
second-place winner in each of the 13
CBAI Groups. Sam Kleindienst (First
Community Bank and Trust, Beecher);
Ben Reeber (CenTrust Bank, Northbrook); Joseph Savala (Durand State
Bank); Kelsey Ethington (Blackhawk
Bank and Trust, Milan); McKenzie Vose
(Farmers National Bank of Griggsville);
Melinda Mathews (State Bank of Lincoln); Gabe Stoll (The First National
Bank, Mattoon); Heath Bruce (The First
National Bank of Raymond); Kristin
Scheibe (State Bank of Waterloo); Mariah Miller (The Fairfield National Bank);
and Haley Schmidt (The Bank of Carbondale).
In addition, two non-monetary Honorable
Mentions were awarded.
SCHOLARSHIP TO THE COMMUNITY
BANKERS SCHOOL
Newly instituted in 2013, this scholarship
is partially endowed by THE BAKER
GROUP and the Chicago Federal Home
Loan Bank. The first winner is Neal Jordan, sponsored by The First National
Bank in Raymond. Jordan’s tuition to
the 2013 and 2014 School years is paid
by the Foundation.
Career Development Division
The future of community banking
depends upon new generations of
bankers and community bank supporters
- progressive, energetic, communityminded and well-informed. CBAI's
Career Development Division (CDD) is
designed for career-aspiring bankers
over age 21, employed by a CBAI member bank or associate member firm.
Completing its 21st year, CDD currently
has a membership of 250 individuals
representing 130 banks and seven associate members. CDD provides a variety
of activities to benefit its members and
their respective Illinois community banks
and thrifts. Additional advantages include
a subscription to CBAI's magazine Banknotes; a bi-monthly electronic newsletter, Eagle Express; and a 10-percent discount on CBAI one-day seminars.
Economic Education Program —
The Economic Education Awards Program completed its 15th year of rewarding community bankers for their involvement in economic education within their
communities. This year two individuals
were recognized for their economic education efforts.
Convention Activities — At CBAI's 38th
Annual Convention in 2012, CDD hosted
“skins and mulligans” during the Annual
Golf Tournament, raising $2,250 for Community BancPac; purchased an exhibit
booth; and sponsored educational breakout speaker Ancin Cooley, principal at
Synergy Bank Consulting Inc., Elgin, who
addressed the topic “ALLL for the NonAccountant.”
Fall Meeting — Nearly 90 CDD members enjoyed the 2012 Annual Fall Meeting which featured a Legislative and
Legal Update by Kraig Lounsberry of
CBAI. Colleen Kettenhofen also presented sessions titled, “How To Tune-Up
Your Team To Do Anything” and
“Achieving Personal and Professional
Success: Renew, Refuel and Recharge.”
This popular event also included an
Annual Business Meeting, two networking sessions, and banking-related breakout sessions.
Greg Cavitt, Tina Dodson, 2013 Career
Banker of the Year Dax Garrison, Sheila
Burcham, and Matt Burcham of Community
Trust Bank, Irvington
2013 Economic Educator
Gerald Runde and Hank
Koester, Teutopolis State Bank
Spring Conference and Mini-Exposition —
The CDD Annual Spring Conference
attracted more than 80 participants. The
conference featured Roxanne Emmerich
sessions, “How To Create a Thank God
It's Monday! Culture” and “Hope Is Not a
Strategy: A Kick-Butt Plan To Think Big,
Pull Ahead, and Crush It This Year.”
Members also attended educational sessions along with two of the popular networking sessions. The CDD Annual Business Meeting was also conducted with
elections for odd-numbered group directors, awards for the Career Bankers of
the Year, the 2013 Economic Educator,
and outgoing directors. Also, $226 was
raised for Community BancPac during
the 50/50 raffle.
Group Meetings — CDD annually conducts the popular “skins” game and sells
mulligans at CBAI's Group Meetings with
the proceeds benefiting Community
BancPac. This past fiscal year, $6,243 was
raised through this effort, resulting in
total CDD contributions of $8,719 to
Community BancPac.
CDD Board of Directors March 2012 - March 2013
Group 2 - Clint Squier, First Community Bank and Trust, Beecher
Group 3 - Julie Jordal, American Midwest Bank, Sycamore
Group 4 - Tracy Downs, German-American State Bank, German Valley
(CDD Secretary/Treasurer)
Group 5 - Kristen Eustis, First Federal Savings Bank, Ottawa
Group 6 - Kim McKee, North Central Bank, Ladd (CDD Chairman)
Group 7 - Ben Drebes, Farmers National Bank, Griggsville
Group 8 - Joe Conroy, CCL, First Farmers State Bank, Minier
Group 9 - Kellie Eastham, First Farmers Bank & Trust, Paris
Group 10 - Amy Logsdon, National Bank of Petersburg
Group 11 - Greg Cavitt, Community Trust Bank, Irvington
Group 12 - Carla Nicholson, Flora Bank & Trust
Group 13 - Grady Gaskins, Legence Bank, Eldorado
Community BancService Corp., Inc.
Founded as a separate corporate entity in 1981 to provide special member services, Community BancService Corporation,
Inc. (CBSC), aggregates the clout of CBAI member banks to
negotiate lower costs, more favorable terms, and improved
access to essential bank products and services. Before CBSC
rolls out a new program, it is subjected to a thorough review.
DUE DILIGENCE
Community banks are required to gather, analyze, and report
an enormous amount of information about their third-party
service providers. Recently, bankers told CBSC staff that examiners now expect a due diligence file on every bank vendor —
even the snow-removal company!
The CBSC staff and leadership invest hundreds of hours annually evaluating new vendor services, checking references, analyzing financial statements, and verifying vendor performance.
The board also insists that new programs provide member
benefits. Often a benefit is improved contract terms; i.e., the
board may negotiate a shorter term or reduce termination
requirements. In many agreements, CBSC has strengthened
vendor-performance requirements by making them liable for
their actions. Those are benefits that bankers don't often see
because they are not as visible as a discount or rebate, but
they are just as important.
CBSC STAFF ADDITION
In pursuit of a strategic objective to improve communication
with member bankers, the board authorized the creation of a
new staff position dedicated exclusively to personally visiting
bankers to identify their needs and introduce Association solutions. The position required an experienced sales executive
who understood community banking. As the national sales
manager for CSI, Andy Burkett's 25 years of experience serving
the core processing needs of hundreds of Illinois community
banks made him the perfect candidate. Upon his retirement
from CSI, Andy agreed to serve as CBSC vice president of
member services for central and southern Illinois. Since joining
CBSC in July 2012, Andy has visited more than 200 bankers,
listened to their concerns, and introduced association solutions.
His input from member bankers has helped shape Association
policy decisions. Based on Andy's success, the association is
considering adding a similar staff position in 2013 to cover
banks in central and northwestern Illinois.
NEW VENDOR RELATIONSHIPS
During the past year, the CBSC board of directors approved
the following new programs:
Continuity Control Bank Compliance-Management Platform — Regulatory change is taking increasingly bigger bites
out of community banks' bottom lines. Banks are spending
more time and money to implement and comply with new regulations. That is problematic, especially when it distracts
bankers from other duties, like taking care of the
customer. Updating policies and procedures to meet new
regulations can be a full time job. Hiring workers with
“Recently, bankers told CBSC staff
that examiners now expect a duediligence file on every bank vendor —
even the snow-removal company!”
regulatory know-how is especially expensive because those
people are rare and in high demand.
The CBSC board of directors recognized community banks
with a strong compliance-management system have an opportunity to reduce the costs of new regulation. It concluded
banks should have a system to analyze and assess the risk of
new regulations, along with a standardized way to structure
policies and procedures. Automation also keeps costs in check.
Continuity Control has coupled compliance experts with innovative technology to automate much of the compliance process
and reduce regulatory burden. The only complete compliance
management platform, Continuity Control adapts to regulatory
changes as they occur. Its compliance experts gather data from
regulatory agencies, break it down into plain English and let
bankers know what they need to do, and when, in order to
remain compliant.
The CBSC board selected Continuity Control after an extensive,
months-long review process that included a satisfactory review
by Young & Associates, CBAI's compliance and education
training partner for the past 28 years, and after successfully
implementing the platform at two banks represented on
the board.
Contact Dana Carrington, regional vice president at 612-605-3929.
FUSE Online Equipment- and Supplies-Procurement and
Inventory-Management Solution — Community-bank executives are trying to find more ways to run leaner operations to
bolster their bottom lines. According to a survey from Abound
Resources, three of the five biggest priorities in 2013 for the
chief executives of small and midsize banks involve efficiency.
Those priorities included the use of technology, streamlining
workflow and a broad need to “become more efficient.”
FUSE is an e-procurement system that aggregates orders for
common bank products and supplies thereby achieving significant volume discounts. Its inventory tracking and management
function permits off-site warehousing of printed materials,
which frees valuable floor space. Next-day delivery ensures
banks receive the products when they need them. The system
also monitors and reports usage and generates an alert when
inventory needs replenishment. FUSE helps banks save money
and improves operational efficiency.
For more information contact Brett Jackson at 800-525-9995, ext 121.
Community BancService Corp. (continued)
CBSC'S FOUNDATIONAL PROGRAMS
Nothing breeds success like success. Successful companies
capitalize on their strengths and grow accordingly. Last year,
several CBSC preferred program providers experienced significant growth and also achieved special milestones.
Community BancInsurance Services (CBIS), Powered by
Nicoud — During the past 12 months, the community bank
insurance market has experienced a four-to-seven percent
increase in property, casualty, and specialty lines coverages.
While the increase has been attributed to poor performance
and the significant loss experience since 2008, the capacity and
ability of insurance companies to continue providing products
is good. Bank-regulator scrutiny of community-bank insurance
has increased and is expected to continue into the foreseeable
future as examiners focus on risk-management practices. Overall the market is stable and the companies CBIS represents are
expected to continue providing excellent products at competitive prices.
For the year, CBIS-Nicoud retained 92 percent of its business,
added several new banks, and provided improved coverage in
most of the policies it issued. Its FREE insurance review service
helped identify many gaps in banks' coverage and offer solutions. Additionally, CBIS-Nicoud representatives visited more
than 125 member banks and provided advice on a variety of
insurance issues, especially cyber coverage and medical plans.
For the second year, CBIS-Nicoud officials addressed more
than 100 state bank field examiners on the topic of insurance
adequacy for community banks. Now that they have taught the
examiners what insurance coverage to look for during bank
exams, the professionals at Nicoud can help you prepare for
that next exam.
Contact: Patti Tobin at 217/414-4425.
MoneyIsland® — In the current economic environment, the
demand for financial education has never been greater among
bank regulators, state legislatures, and consumers. Recognizing
this huge opportunity for community banks to partner with
schools and youth programs, CBAI selected Felix Brandon
Lloyd to present MoneyIsland, a financial literacy program, at
each CBAI Spring Group Meeting. A CBSC Preferred Partner,
MoneyIsland helps community banks offer financial education
to school children age 10-15 while building relationships with
schools and families.
Contact Steve Prost at 847/341-8003.
Harland Clarke — The past year marked the silver anniversary of CBSC's exclusive partnership with Harland Clarke to
provide community banks an alternative source
for low-cost, high-quality checks. While the length of this
time-tested partnership is one yardstick to measure success, the
ultimate measurement is banker usage. Nearly one-half of CBAI
member banks purchase check products from Harland Clarke.
Clearly bankers value purchasing check products through the
CBSC-Harland Clarke Program.
In commemoration of this enduring relationship, Harland
Clarke offered special discounts for member banks, in addition
to the 4% future price increase cap, which began in 2008.
Since that time, both Harland Clarke and Deluxe increased
check prices approximately 10 percent on three separate occasions. That's a 30-percent increase in just a few years! However, CBAI members that purchase checks from Harland Clarke
were limited to a four-percent increase with each price adjustment. That means the price cap has saved CBAI members 18
percent on the cost of check purchases during the past several
years. This savings stays with the members every year, for as
long as they are CBAI members. CBSC is proud to have helped
make that happen.
Contact Diane Schipkowski at 815/493-8763.
.
THE BAKER GROUP — Early in 2006, the partners at BAKER
noticed a significant increase in the number of bank clients
asking about corporate bonds, GSE stock, private-label CMOs
and trust preferred securities. They learned that most of their
competitors were aggressively marketing these financial instruments as appropriate investments for community banks.
Bankers searching for higher-yields were buying them. The
BAKER partners were faced with a dilemma: sell riskier products to their clients, or risk losing them to competitors. It was a
quick decision. They decided to stick to the tried and true
methods that had served them well for nearly three decades
and not sell these risky investments to banks.
Since its founding 34 years ago, BAKER's fundamental policy
for managing a bank client's investment portfolio has been
similar to a physician's Hippocratic Oath, Above all, do no
harm.’ It has always been BAKER's belief that bankers take
credit risk in their loan portfolios and, therefore, should never
take credit risk in their investment portfolios.
Equities, corporate debt and privately-backed investments carry
inherent credit risk. The partners at BAKER understood this,
and they were unwilling to jeopardize the financial stability of
their client banks or their firm's reputation. Their competitors
sold them to bankers explaining it would take a financial
calamity, the likes we've never seen, to render these investments near worthless.
For 34 years BAKER has helped community bankers manage
interest rate risk in their investment portfolios. They utilize risk
management software, cash-flow modeling, and report programs developed by THE BAKER GROUP.
CBSC is proud of its time-tested partnership with the professionals at BAKER who have proven time and again that they
are the best in the business.
For more information regarding institutional investment services contact Terry
McElwee at 888/333-7704.
Community BancService Corp. (continued)
CBSC AND ITS BUSINESS PARTNERS CELEBRATE MILESTONES
Vendors provide critically important information, products and expertise to community banks. Building good relationships with
quality vendors ensures that CBAI members receive the best possible service, quality, price, value and satisfaction. These benefits
only increase in value and importance with age. The longer the relationship the greater the benefit. This year, CBSC and the following vendors celebrated significant partnership anniversaries:
Harland Clarke:
Welch Systems:
Wolters Kluwer Financial Services:
Sageworks:
25 years March 2013
25 years June 2013
25 years June 2013
5 years May 2013
CBSC SERVICES
•
Affinion Group
Marketing & Club-Account Strategies
•
•
•
•
FUSE
Online Equipment/Supply Procurement
Inventory-Management Solution
Ameren Energy Marketing (AEM)
Electricity Discounts
•
THE BAKER GROUP
Asset/Liability Management Software,
Investment Advice, Securities Selection
Harland Clarke
Check Printing, MICR Forms,
Direct Marketing
•
ICBA Bancard/TCM Agent Card Program
VISA and MasterCard Issuance
•
Impact Financial
Overdraft Privilege Protection Program
BancVue
Internet-Based Marketing, Reward
Checking Program, MoneyIsland®
•
Bank-Aide
Market Opinion Research
•
Legal Link Library
Answers to Bank-Related Questions
•
Bank Trends
Web-Based Peer Analysis
•
Midwest Office
Office-Supply Products and Furniture
•
CBAI Web-Site Hosting Service
Community Bank Web-Site
Hosting Program
•
Jeffrey Rice & Associates
Audit Consulting
•
•
CBIS, Powered by Nicoud
Employee Insurance Benefits, Property &
Casualty, Blanket Bond, D&O
Sageworks™
Commercial Loan-Analysis Software
•
SHAZAM®
ATM and Debit Services
•
Southwest Financial
Flood-Zone Certificates
•
CSC
Enhanced UCC Search, Retrieval,
Filing, and On-line Management Tools
•
CSI Board Portal Intranet
Board Portal Access
•
Triad Financial Services
Manufactured Home Loans
•
Continuity Control
Compliance Software
•
Welch Systems
Talaris Coin/Currency Equipment
•
Diebold
ATM & Security Solutions
•
Wolters Kluwer Financial Services
Compliance Software, Legal Forms
•
Diversified
Crop Insurance
•
WorldPay
Merchant-Card Services
•
First Data Resources, Inc.
Internet Banking, Cash Management,
Account Aggregation
Community Bankers Association of Illinois
901 Community Drive
Springfield, IL 62703-5184
www.cbai.com

annual report

Transcription

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