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Economist Bob Morgan Forecasts a Growing Economy in 2015
Robert Bob Morgan Austin Associates consultant
Robert J. Morgan,
Senior Consultant,
Austin Associates, LLC

Citizens National Bank recently hosted their annual "Economic Forecast" events. Bob Morgan, Senior Consultant for Austin Associates, LLC applied his insights into a prediction for 2015's economic outlook. This year, his message was more optimistic than recent years as he forecasted economic growth for 2015 and beyond.

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The Politics of Agriculture and Understanding the New Farm Bill Programs
Jeff Harrison Trevor White Combest Sell and Associates
Jeff Harrison (left) and
Trevor White (right),
Combest, Sell & Associates

Jeff Harrison and Trevor White of lobbying firm Combest, Sell & Associates recently spoke to area farmers at an event co-hosted by Citizens National Bank and Williamson Insurance. Harrison had previously been lead counsel for the 2002 Farm Bill and White is an economist. The topic was the 2014 Farm Bill.

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Message from the President
Mike Romey President CEO
J. Michael Romey, President/CEO

Year End Review and 2015 Projections

Similar to the prior five years of consistent growth in our Asset Size and Earnings, Citizens National Bank experienced another successful year in 2014. Our success is a result of doing the basics well and maintaining a strong customer service strategy.

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Making Your Message Stick
Ellen Dunnigan CEO Accent on Business Indianapolis Indiana
Ellen Dunnigan,
CEO Accent on Business

Ellen Dunnigan, CEO Accent on Business

Do you ever wonder if what you are saying to your customers or employees is getting through? If you really want to make your message stick with your audience, you need to be aware of the way you are presenting your message and consider altering it to fit the age, gender or communication style of the person you are addressing.

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Ask the Lender
Robert Bob Inniger Bluffton VP Business Banking Officer
Robert Inniger,
VP Business Banking Officer

What are the benefits of having a line of credit?

A business line of credit can be a very valuable tool to a business or agricultural owner. Citizens National Bank lines of credit are designed to help businesses manage their cash flow and their short term borrowing needs.

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