County National Bank’s Monthly e-News
December 2012
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The Holiday Season
by Craig S. Connor, President and C.E.O.
Craig S. Connor
Christmas and New Year’s are wondrous times for people of all ages.  Community concerts, family get-togethers, religious celebrations, office parties and the spirit of gift giving are activities that do bring us closer together as human beings.
County National Bank is proud to be part of the Christmas Spirit, sometimes in small ways and other times in a larger role; sponsoring concerts, parades, charitable gifting and employee gift gathering for the less fortunate in our community.  As CEO of our Community Bank, I can tell you witnessing our local role is a very rewarding experience.

How to Avoid a Holiday Hangover
Consumer Spending Tips for the Holiday Season

With consumer sentiment the highest it’s been since the recession, shoppers are expected to open their wallets a bit wider this year. Will holiday spending leave shoppers in the red?   Not if they plan wisely and use some common sense tips.
This is the most festive time of year, but consumers don’t have to end up with a holiday hangover when the bills arrive. Simple planning can make the season more care-free and enjoyable when you know you’re in control of your budget.

SBA 504 Loan Program

The SBA 504 Loan Program provides healthy small and medium-sized businesses with long-term fixed rate financing for the acquisition or construction of fixed assets. Projects are financed through a unique public/private partnership that involves private lenders, like County National Bank, financing 50% of project costs, the Michigan Certified Development Corporation (MCDC) covering up to 40% of project costs, and small businesses investing at least 10% of project costs.

CNB & Events – Why We Participate
Source Event
During the course of the year, County National Bank participated in numerous community events and helped with projects in the markets we serve. We are proud to support events like Payback for Education, Ella Sharp Museum Free Lecture Series, Elder Abuse Prevention Expo and many others.
We’re Proud to Announce...
John Waldron
Craig S. Connor, President and C.E.O., announced that the Board of Directors recently approved the promotion of John R. Waldron from V.P. Senior Loan Officer to Senior V.P. - Senior Loan Officer.
John has been with the Bank since 2002, following nearly 10 years with the U.S. Department of Treasury as a National Bank Examiner.  John has a BBA in Finance and a minor in Accounting from Western Michigan University. 

Becky Wiley
Craig S. Connor, President and C.E.O., announced the Board of Directors' approval for the promotion of Becky Wiley to HR and Staff Development Officer.

Becky joined CNB in August of 2011 as HR Specialist and Staff Development, bringing over 22 years of human resources experience. In addition to her HR responsibilities, Becky oversees the training for the Bank’s staff at their 11 locations.


Exercise Outdoors in a Winter Wonderland
Try these tips to enjoy cold-weather workouts

When crisp fall weather turns to bitter winter cold, it’s tempting to huddle up inside with a cup of cocoa and wait for warmer days to return. But there’s no reason cold weather should stop your exercise routine, or even drive you indoors. There’s plenty of frosty fun in outdoor winter exercise.

Conserving Heat and Saving Money
Ten tips for saving on heating costs through the winter months

Heat and energy costs can skyrocket during the winter months, wreaking havoc with the family budget. Keep heating costs in line by conserving heat as much as possible when the weather turns cold.

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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.

NMLS #399979

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