national bank turns 150! a message bnb president … · prosperity of our communi ... bnb employees...

January2017CustomerNewsletterMemberFDIC~EqualHousingLender

2016YearinReviewBeginsonpage3

ReadtheInterestingHistoryoftheBankatwww.BradfordNational.BankVisitUsOn‐[email protected]&www.BradfordAgServices.com

BradfordNationalBankTurns150!With a sack of money believed to contain around$10,000, James Bradford, alongwith his son Samuel,foundedthebankinghouseofBradfordandSon’sBank

in 1867. From that day, a tradition ofcommunityservice,localsupport,andthebuildingofcommunitywasborn.Thebank remainedBradford andSon’sBank until May 2, 1910, when the bankreceiveditsnationalcharterandof iciallybecameknownasTheBradfordNationalBank.AccordingtorecordswithintheStateof

Illinois,BradfordNationalBankisthe11tholdestbankinthestate.To commemorate the occasion, Bradford NationalBankwillhostavarietyofeventsin2017ateachofourfourlocations,culminatinginabigbirthdaybashLaborDayweekendatthemainbankinGreenville,withfood,fun,livemusicandmore(seepagetwo).AtraditionofserviceMr.Bradfordset thecommunityservicestandardforthebankallthoseyearsago,servingintheBlackHawkwar, was a member of the Illinois legislature, andservedasthe irstmayorofGreenville.Sincethattime,BradfordNationalBankhastouchedhundredsoflives,events, and activities that have led to the growth andprosperity of our communi‐ties.FunFacts When Bradford National

Bank became a national

AMessagefromBNBPresidentDougStroudHappyNewYear!2016was another banner year for BradfordNa‐tional Bank. The bank remains inancially sound,asithassince1867.Wecontin‐uetoprovideawideselectionofinancialservicestoourcustom‐ers,includinganextensivearrayoflendingservices,righthereathome.Bradford National Bank onceagainendedtheyearasaBauerFinancial 5 Star rated bank,makingus “oneof the strongestinancialinstitutionsinthenation.”Wecontinuedtosupporthundredsoflocalcausesand organizations in Greenville, Highland, Marineand surrounding communities. Our employeescontinuetobeinvolvedandengagedinlocalorgan‐izationsvolunteeringhundredsofhourseachyear.Looking forward,2017 isgoing tobean incredi‐bleyearatBradfordNationalBankaswecelebrateour150thanniversary—somethinguniqueandex‐ceptionalinthebankingworldtoday.We have many events planned in Greenville,Highland and Marine this year to commemoratethe occasion, including a big party on Labor DayweekendatthemainbankinGreenville.It isourprivilegetoprovideyouwithallofyourbankingneeds inasafe, secure,environment. Wearelookingforwardtocontinuingthattraditionin2017.Pleasecontactmedirectly, ifyouhaveanyques‐tionsorconcernsinthecomingyear.

HappyNewYearDougStroudPresident

Continuedonpage2


bankin1910,theyhadtotalassetsof$22,224.50.Theyincludedasafe,addingmachine,clock,shotgun,andapistol.

Whenthebankexpandedin1911,thenewfacilitycost$12,570tobuildandincludedextraspaceforabarbershop,bathtub,andashootingrangeinthebasement.

In1925,MyrtleT.Bradfordbecomesthe irstfemalepresidentofthebank and is one of the onlywomeninthecountrytoputherlegalsigna‐tureonanationalbanknote. In 1957, the bank’s total assetstopped$1million.

Thebankmovedintoitscurrentfacilityin1967onthe100thanniversaryofthebank.Thenewfacilityincludedthecom‐munity’s irst drive‐thru lane and the irst customer wasGeorgeTrost.

Bradfordwasthe irstbankinBondCountytohaveanightdepository. BNBprovidedthe irstATMinthecommunity. The main bank sits on the original homestead of

Samuel Bradford. The fencing around the bank’sclock towerwasoriginallypartof theSamuelBrad‐fordhome.

In1994,thebanklaunchedwww.BradfordBank.com,oneofthe irstbankingwebsitesinthestate.

In1998,BradfordNa‐tional Bank opened itsirst facility outside ofBond County with theopening of the MarineBankingCenter. OnMay24,2000,TheBradford Community

Buildingwasof iciallyopened. OnMay15,2002,groundwasbrokenonanewfacili‐

tyinHighland. In 2015, Bradford National Bankwas the signature

sponsor of the Greenville Bicentennial CelebrationandhostedtheBellamyBrothersandtheLittleRiverBandconcertsonourlot.

Today,thebankhastotalassetsover$275million. Staytunedaswegetreadytoroll‐outanewwebsite

showcasingthesigni icanthistoryofthebank.

BradfordNationalBankturns150!Continuedfrompage1

Dr. Junod Photo Used with permission

BradfordNationalBankAnniversaryEventsToDate

May TBA:BNBAwardsScholarshipsinGreenville,

Mulberry,Highland,Troy TBA:ShredDay TBA:AnniversaryPartyinHighland 11‐12:ArtinEducationArtShow 18:BusinessAfterHours,HighlandJune TBA:Parades 17:GreenvilleCarShowJuly 2:BondCountyBicentennial,Greenville TBA:AnniversaryPartyinMarine.August 10:BusinessAfterHours,MarineSeptember 2:150thAnniversaryCelebration,GreenvilleOctober TBA:ShredDay,Greenville&Highland 27:HalloweenFunNovember 24:ChristmasParade,Highland 25:ChristmasParade,GreenvilleDecember 7:BusinessAfterHours,Greenville TBA:GoLocalHolidayShopping


BradfordNationalBank2016YearinReview2016wasabusyyearatBradfordNationalBankaswecontinuedtoprovidegreatserviceandawidevarietyofproductsandservicestoourcustomers.Plus,weworkedreallyhardtosupporthun‐dredsof localclubsandorganizations inthecommunitiesweserve. Thefollowingpagescapturethehighlightsofaverybusyyear.JanuaryBradfordNationalBankheld itsannualemployeeappreciationdinnerat theCop‐perDockWinery. Severalemployeeswererecognizedfortheiryearsofservice in‐cluding,CaraSnow,5years;KellyHubbard,10years;CherylMcCario,25years;andCathyEyman,30years.AnnieOakleymadeanappearanceintheBradfordCommu‐nityBuildingforahumorousBradfordTravelClubprogram.FebruaryInanefforttocontinuetoexpandourmobileservices,BradfordNationalBanklaunchedMobileDeposit,forBradfordTouchMobileBanking.TheBradfordTravelClubenjoyedaweek‐longtriptothePanamaCanal,andthenenjoyedaneveningofThePriceisRightinEf ingham.ThebankalsohostedtheTroy,Maryville,St.Jacob,Ma‐rineChamberofCommerceforaBusinessAfterHoursatourMarinefacility.The bank supported many organizations during themonth including the Highland Civic Women’s Club, theGreenville Health Fair, the Marine Fire ighters, and theBondCountyFarmBureau,tonamejustafew.BNB employee Randy Aldermanwas appointed to theGreenvilleChamberofCommerceBoardofDirectors,re‐placingBNBpresidentDougStroud,whoservedonthatboardforover20years.MarchBradfordNationalBankwas theDoublePlatinum sponsor fortheLighttheWayGalainsupportoftheBondCountyAcademicFoundation. The event raised over $16,000 for Unit#2 schoolprograms.Amember of theOptimist Club, our ownTerryBarth chairedthe annual Greenville Easter EggHunt. We also supported theGreenvilleandMulberryGroveFFAprograms,theHighlandBull‐dogHockeyprogram,S.A.F.E.,theHighlandCommunityLinkandnumerousotherorganizationsduring themonth. BNBemploy‐eescontributed$250forDown’sSyndromeresearch.AprilBradfordNationalBankcelebratedCommunityBankingMonthwithacustomerappreciationdayatalllocations.MarleneFilewasnameddirectoroftheBradfordTravelClub,asJudySchneckwouldberetiringat

theendoftheyear.TheTravelClubalsoenjoyedNoshtheDayAway.ThebankonceagainsponsoredtheannualLadyCometSoftballInvita‐tional.


BNBemployeesCathyEymanandRandyAldermanattendedabanktechnologycon‐ferencetokeepontopofthelatestbankingtrends.Thebankbegan renovationof theBNB clock tower at themain bank inGreenville.DanikenConstructionwasinchargeoftherenovationsofthenearly50yearoldstruc‐ture.

MayThebankhostedthe12thannualArtinEducationArtShowinthe Bradford Community Building, featuring local art fromGreenville,Pocahontas,andSorentoinallgradelevels.Thebankawardedfour$1,000academicscholarships. Thewinnerswere: DominicCaldieraro,Greenville;TyronnMadi‐

son, Mulberry Grove; Allison Zobrist, Highland; and Rebekah Kuhl, Triad. To date,BradfordNationalBankhasawarded$58,000incollegescholarships.Thebankheld itsannualspringsecureshreddingandrecyclingdayinconjunctionwithHighlandRecycling,allowingresidentstosecuelydisposeofold inancialdocuments.TheBradfordTravelClubenjoyedadayatBuschStadiumforaCardinal/Cubgame.

CherylMcCarioretiredfromthebankafter26yearsofservice.ThebankparticipatedintheRealityStoreattheGreenvilleJr.High.DuringthemonthofMay,someoftheorganizationsthebanksupportedincludedTheGermantownandSt.Rose4‐Hprograms;theBondCountyCourthouseBeauti‐icationproject;theGreenvilleChamberofCommerce;providedaPlatinumspon‐sorship to Greenville High School athletics; and supported the Madison CountyChapteroftheAmericanCancerSociety.

JuneBradfordNationalBankwasrecognized forexceptionalcommunityservicebytheIllinoisBankersAssociation(IBA),receivingtheIllinoisBankCommunitySer‐viceAward.BNBchairmanFrankJoyandcurrentpresidentDougStroudwereonhandtoreceivetheaward.TheIBAawardisgiventoabankwhodemonstratesahighlevelofservicetotheircommunities.ParadeseasonbeganinJune,andthebankparticipatedintheHighlandSchweizerfestandMarineHomecomingparades.

ThebankhelpedsponsortheannualGreenvilleGraf itiCarShowandAnEveningattheDiner,featuringcastmembersfromtheTVshow,HappyDays.BNB employee Jace Keaster was married, a baby shower was held for employeeMichelleBrown,andDukeRonatcelebratedhis75thbirthday.ThebanksponsoredBeautyandtheBeastJr.,presentedbytheHighlandHardRoadTheatre. Other organizations supported in the month includetheGreenvilleKiwanis,LeapsofLove, theHighlandRotary,andtheMulberryGroveyearbook,tonameafew.July

Aftermorethan43years,FrankJoyretiredfromBradfordNationalBank. AreceptionwasheldatTheFamilyVinetohonorJoy,whowassurroundedbyhisfamily.WhenJoybeganhisbankingcareer,thebankhadtotalassetsof$23million.


Duringhiscareer,thebankgrewto$275million.UnderJoy’sleadership,thebankopenedits irstbranchoutsideofBondCountywiththeopeningof theMarine, Illinois facility in 1998. In 2000, the Bradford Community Buildingwas of iciallyopenedforpublicuse.Thefollowingyear,themainbankwasremodeledtoaccommodatetherapidgrowthofthebank.In2002,thebankopenedasecondMadisonCountybranchwiththeconstruc‐tionoftheHighlandfacility.In2004,thebankacquiredtheFirstBankfacilityinMarineandrelocat‐edtheMarinebranchtothatnewlocation.UnderJoy’sstewardship,bankas‐setstripled.PaigeHuffbecamethebanks1,500BradfordTouchMobileBankinguser.RandyAldermanwas reappointed as the IllinoisBankersAssociationCom‐

munications/Marketingchair.In the annualBondCounty Shopperpoll, BradfordNationalBankwasonceagainvotedtheBestBank,BestMortgageInsti‐tution,andBestLender.The bank continued to support many great organizations in July including theAmericanFarmHeritageMuseum, theHighlandAlumniAssociation,BondCountyAgintheClassroom,GrantforkVolunteerFireDepartment,theSt.Rosefestival,the

Kirchenfest,theCharlesGraviusMemorialLibraryinMarine,andTripleTWRacing.AugustShirleyLandersretiredfromBradfordNationalBank. ShirleywasoneoftheirstemployeeshiredatourHighlandfacilityin2002.ThebanksupportedtheFutureFarmersattheirannualauctionandhadsever‐

alstudentsvolunteerat theAmericanFarmHeritageMuse‐um.Thebankwasagainabigsupportofthe4‐HprogramattheannualBondandMadisonCountylivestockauctions.At the Bond County Fair, the bank loat carried the LittleMissBondCountyparticipants.JohnsonSignsandDesignsputnewsignageonthefrontoftheBradfordCom‐munityBuildingandthecanopieswererepairedaswell.ThebanksupportedmanyorganizationsinthemonthincludingtheMulberry

GroveAcesandtheHighlandParksandRecreationleagues.SeptemberThemonthofSeptemberwasverybusyatthebank.

RhodaGipsonretiredafter19yearsofservicetothebank. TheeventwascateredbyRhoda’sfavorite—Kahuna’sBurgersandMore.Marlene Filewas of icially introduced as the newTravel Clubcoordinator. She was introduced by retiring director JudySchneck. Marlenesaidsheis“excitedtobechosenasJudy’sre‐placement,”andabout theopportunity tocontinuetobuildandgrowtheclub.BNBChairmanFrankJoyhonoredSchneckforheryear’s of service and presented herwith a bouquet of lowers.

RandyAldermansalutedSchneckandcomplimentedheronbuildingoneofthebetterTravelClubsinthearea.Thebankwasasponsorofthe irstVinetoWinerunandmannedthewaterstationattheeight


milemarker.Over500runnersparticipatedintheevent.BNBnotedthepassingofEliHeffron,whowasalong‐timememberoftheBNBbowlingteam.

BNBemployeescollectedover$1,600fortheLemuelRhodesCancerFoundationintheWGELPieAuction.Our“celebrities”includedJaceKeasterandRandyAlder‐man.Thedeliciouspiesweremadebythe2Martha’sinGreenville.Donations were collected for the Greenville Backpack pro‐gram,providingweekendmealstostudents.ThebankwasthesignaturesponsorfortheHill’sFortLivingHistoryweekend.

Wecontinuedtosupportmanyorganizations,includingBalloonsoverMarine,HighlandArtinthePark,H.I.S. K.I.D.S,HighlandAreaCommunityFoundation,DucksUnlimited,andtheMarineFire ighters,tonameafew.Plus,theemploy‐eesallworepurpleonedayinsupportofalocalsecondgraderwhohadseriousmedicalissues.Minorconstructioncontinuedaroundthemainbankaddressingseveral“agerelated”issuesatthemainfacility.

OctoberOver50yearsago,BradfordNationalBankwasinstrumental intheformationof theGreenvilleAirportAuthority. At theannualAirportOpenHouse inOctober, thebank returned the original $400 loan tocommemorate the occasion. BNB vice president Randy Alderman,whomade thepresentation,said, “It’skindofa fun thing. Thebankloanedthemoneytotheairportallthoseyearsago.Nowhereitis50years laterand thebank thought itwouldbe funandappropriate to

commemoratetheoccasionbydonatingthe$400backtotheairport.”BenKettlekamp,chairoftheGreenvilleAirportAuthority, said, “Wecertainlyappreciate thesupportand thegreatassetthatBrafordNationalBankistoourcommunity.”BradfordNationalBankbecameapartnerwiththenewlyformedCEOprograminBondCounty.Theprogrampreparesyouthtoberesponsible,enterprisingin‐dividualswhobecomeentrepreneursorentrepreneurialthinkers.Over$375,000wassavedbyBradfordChristmasClubmembersduringtheyear.Membersbegansavingfor2017inNovemberaswell.BNBemployeescelebratedHalloweenwithourowndress‐updayandpartici‐patedinTrunkorTreatindowntownGreenville.Some of the organizations the bank supported in October include the Lion’sClub,HighlandBackStoppers,KnightsofColumbus,BondCountyFosterHope, and theHighlandCivicWomen’sClub.

NovemberWekickedofftheHolidaySeasoninstylebyparticipatinginthean‐nualHighlandandBreeselightedChristmasparades.ThebankagainsponsoredtheBradfordNorthPoleExpressRailroadat the American Farm Heritage Museum, giving away free tickets toridethetrain.WesupportedmanywonderfulorganizationsinthemonthincludingMilitaryCarePackagesprovidedbytheMilitaryMom’sofBondCounty.


Wecollected food for theGreenville,HighlandandMarine foodpanties.WecollectedpajamasforFosterHopeandToysforQ’sCrew.Plus,wecol‐lectedfortheAngelFundsupportingHighlandstudents.TheTravelClubenjoyedaWorldWarIIsing‐a‐long.2017Calendarswerereleased.Weannounced the2017BNBScholarshipapplicationswereavailable.Tocommemoratethe150thBNBanniversary,the2017scholarshipsareworth$1,150each!DecemberBradfordNationalBankhostedtheDecemberBusinessAfterHoursspon‐soredbytheGreenvilleChamberofCommerce,andof iciallykickedoffour150thanniversarycelebrationwiththedebutofournewBNBLogo.BNBemployeesatthemainbank ilmedtheMannequinChallenge(thevid‐eocanbefoundonFacebookorYoutube).AnewfeaturewasaddedtoBradfordTouchMobileBanking. InstantBal‐anceisnowavailableontheBNBapp!Travel Clubmembers enjoyed themusic ofMannheim Steamroller. ThiswasalsotheverylastTravelClubtripfordirectorJudySchneck.Allinall,2016wasanincrediblybusyyearforthebankandouremployees.Wecan’twaitforyoutoseewhatwehaveplannedforourcustomersandthecommunitiesweservein2017aswecelebrateour150thanniversary.

BNBEmployeesContinueTheirGivingWaysDuringTheHolidaysStartinginNovemberandcontinuingthroughthemonthofDecember,BradfordNationalBankem‐ployeesinGreenville,Highland,andMarine,aswellasourBNBcustomers,collectedanddonatedavarietyofitemsforseveraldifferentcauses.InGreenville,employeescollectedforFosterHopeandtheBondCountyFoodPantry.InHighland, the staff collected for the foodpantryand for theAngelFund supportingareahighschoolstudents.

In Marine, they collectedtoys forQ’sKids,whichweredonatedtothechildren’shos‐pitalsofSt.Louisandfoodforthelocalfoodpantry.Plus, continuing a traditionthat goes back many years,BNBemployeesspentseveralhoursringingthebell,collect‐ingfundsfortheSalvationAr‐my.During 2016, Bradford Na‐tional Bank supported hun‐dreds of local causes andor‐ganizations.


BNBEmployeesShopOurLocalCom

munitiesfortheHolidays

Above:BradfordNationalBankisonceagainawardeda5‐StarRatingbyBauerFinancialServices.Below:Haveyoutriedoutthenew“InstantBalance”featureonBradfordTouchMobileBanking?

BradfordTravelClubNewsandNotes

UpcomingTravelClubEventswithMarleneFile

February7:FraudSeminar March21‐24:SpringTraining April30:LionKingFoxTheatre September17‐21:BlackHills&Badlands

DetailsinUpcomingTravelNewsletter

ContactMarleneFileToday:Phone:618‐664‐2200E‐mail:marlene [email protected]

Judy Schneck boards the bus with TravelClubmembersforher inaltripasBradfordTravel Club Director. Judy has built‐up awonderful program over her 19 years asdirector. Thankyou foryouramazingser‐vice!


BradfordNationalBankHost’sBusinessAfterHoursBradfordNationalBankhostedtheDecemberGreenvilleChamberofCommerceBusinessAfterHours.

The annual holiday event wasattended by many in the busi‐ness community as well as cityof icials. Bank employees wereon hand to play host for theevent.Duringthebriefprogram,Brad‐ford National Bank presidentDougStroudunveiled thebank’snew150thanniversarylogo.Theanniversary celebrationof iciallykicksoffinJanuary.The evening also featured a

slidepresentationofalltheeventsandactivitiesBradfordNationalBankhasparticipatedinoverthepast12months.Theeventfeaturedproductsfromseverallocalvendors,including2 Martha’s, Jo’s Java, Rolling Lawns Farm, The Family Vine, andJoMama’s.BradfordNationalBankisabigsupporteroftheChamberofCom‐merceandamemberofthebankhasservedontheboardforover25years.

ChamberdirectorKamiSuessintroducesBNBpresi‐dentDougStroud,duringabriefprogramattheBusinessAfterHours.


BNBIncreasingScholarshipfor2017‐ApplicationsNowAvailableBradfordNationalBank,withof icesinGreenville,HighlandandMarine,hasannouncedthatitwillonce again award four scholarships in 2017 – one each to a graduating senior atGreenvilleHigh

School, Mulberry Grove High School, Highland High School and Triad HighSchool.However,thisyear,inhonorofthe150thanniversaryofBradfordNa‐tionalBank,eachscholarshipawardwillbeincreasedto$1,150.Scholarship guidelines and applications can be downloaded atwww.BradfordBank.com.ApplicationsarealsoavailableatanyBradfordNa‐tionalBanklocationorfromthestudent’shighschoolguidanceof ice.Appli‐

cationsmustbesubmittedtothestudent’shighschoolguidanceof icebyApril14,2017forHigh‐landandTriadstudents,andMay1,2017forGreenvilleandMulberryGrovestudents.BradfordNationalBankpresidentDougStroudsaid,“Wearepleasedtoofferthesescholarshipstograduatingseniors.Asacommunitybank,wefeelitisimportanttosupportthelocalschoolsystemandequallyimportanttoprovidescholarshipfundstograduatinghighschoolseniors.”Since1999,BradfordNationalBankhasawarded$58,000inscholarships.

StateofIllinoistoClaimSavingsBondsIfyouhaveSavingsBondsaroundthehouseor in your safe deposit box, it is to your ad‐vantage to check thematurity date on thosebonds, or they may beclaimedby theStateofIllinois.HB 5607 allows USsavingsbondstobede‐clared abandoned after being unclaimed andunreedemed5 years after inalmaturity andallowsthestate treasurer toobtaina judicialdeterminationthatthebondhasbeenrevert‐edtothestate.This new law is for bonds that are in thestate’spossessionaspartofunclaimedprop‐ertythathasbeensurrenderedtothestate.Bonds typically stop earning interest after30yearsandshouldberedeemed,otherwisetheymaygetlosttothestate.TheU.S.Treas‐ury is currently holding $16.5 billion inma‐tured, unredeemed bonds that are no longerearninginterest.

December Gift Card Winners Rachel Simmonds, William Russo, Jake Smith

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