Once again this past week one of our nation’s largest bank was in the spotlight.   Wells Fargo agreed to a $185 million settlement for widespread illegal sales practices.  According the the allegations, Wells Fargo opened up as many as 2 million fraudulent deposit and credit card accounts.  Makes me sick to call them a “bank.”

I also read recently that only 9% of millennials bank at community banks. This really surprised me.

Instead of telling you why I think you should bank at a community bank such as Community State Bank,  I'm going to tell you why you shouldn’t:

• If you don’t want to know the people you are dealing with regarding your finances... don’t bank at a community bank.
  
• If you don’t want someone looking out for you on a personal level... don’t bank at a community bank.
  
• If you don’t care about your bank helping to improve your community... don’t bank at a community bank.
  
• If you don’t care about being called by your first name by someone who actually knows it... don’t bank at a community bank.
  
• If you don’t care about someone making decision on your behalf that don’t know where SE Wisconsin even is... don’t bank at a community bank.
  
• If you don’t care about calling someone with a question who can’t pronounce the town that you live in... don’t bank at a community bank.
  
• If you don’t worry about being treated unfairly by the people who claim to be looking out for your best interest... don’t bank at a community bank.
  
  

Well, I think you get the point.  The truth is that we in community banks really do care about you and your family.  Our kids go to school with your kids and grandchildren. We go to the same churches, we go to the same grocery stores and we go to the same county fairs.  We take it personally when someone is hurting, and we don’t like people being taken advantage of!
 
If you are a customer now, I really appreciate it.  If not, give us a try!  I trust that you will be glad you did. 

As long as I can remember, I’ve heard about the need for organ transplants. I have to admit that I never really gave it much thought other than thinking that it’s probably important. 
At the time of this writing there are 120,519 people in America hoping and praying for a transplant. As of June 10th there have been 13,550 transplants performed this year, which have been made possible by 6,359 donors. Being a numbers guy, it just doesn’t add up.
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Like most things in the world, you really don’t think about these numbers unless it affects you in some way.  One does not realize the stress and pressures that go with waiting.  One does not understand what dialysis really is. Well, unfortunately, I’m now becoming more aware of all of this.

Kelly Huston, one of our cherished Community State Bank employees, is in desperate need of a kidney transplant. He was informed he would need a kidney transplant over 2 years ago, and has been on the waiting list ever since.

In a strange but true way, Kelly is fortunate. He is fortunate because a kidney can come from a donor who is still living.  We all have 2 of them, and most healthy people only need 1 to live a normal life.  As you might imagine it takes a perfect match and specific requirements to be a fit.  That being said I know you are out there.

Kelly is an extremely kind, selfless and modest person that doesn’t feel comfortable asking for help, especially when it comes to his own personal wellbeing. That’s why I’m writing this post today, to ask for your assistance in helping Kelly.

So today I ask you to do 2 things:

1. Pull your drivers license out and look at the back. For those of us in Wisconsin it’s a simple as checking the box that states, “Upon my death, I wish to donate all organs, tissues or eyes.” You then sign and date it.  Don’t wait… please do it now.
   
   
2. Consider being a kidney donor to my good friend Kelly Huston. This costs no money on your behalf, and only requires a simple blood test to get started. You can start this process by contacting the Froedert Hospital Kidney Donor Team at 414-805-0310 and notifying them that you would like to get tested to donate a kidney to Kelly.

Please help me in saving a great person whose time on this earth needs to continue.  Thank you for reading this and for your consideration.
 
Froedert Live Kidney Donor Network
Froedtert Hospital strives to make transplant an option for all patient candidates, their Live Kidney Donor Program helps meet the critical need for organs. It also offers the expertise in live donor patient care.  To learn more about the Froedert Live Kidney Donor Network Click the link below.

My wife Andrea and I were invited to a graduation ceremony this past weekend.  It was one of the best events we have ever attended.

The graduation ceremony was at Shepherds College, located right here in Union Grove, Wisconsin.  The 2016 graduating class was the 6th class to graduate from this fairly new college, which is associated with Shepherds Ministries. Both the College and Ministries serve intellectually disabled individuals.  I don’t use the word “serve” lightly. These students come from all over the United States and even some international locations.

Having two children of my own, I know firsthand how difficult it is to have your kids go off to school. I can only imagine the feelings these students' parents had dropping them off 2 or 3 years ago to attend this wonderful organization. Uncertain, worried and concerned are only a few words that could describe what they might have been feeling.

At this graduation however, I did't see any uncertainty, concern or worry from the parents. They were overwhelmed with joy.  For most, they probably didn’t think they would ever see this day. 

The stars of the show though, were the students themselves.  You could see the confidence in them. You could see the love of God in them.  You could see the newly gained job skills in them. Like any other young adult graduating from college, they were bursting with enthusiasm.

It was a very touching event for us. I have no doubt that these young people will go on to be productive and giving citizens. We could all learn something from their example.

The employees at Shepherds Ministries and Shepherds College are special people, as are their students.  

A "Gig Economy" is an environment in which temporary positions are common and organizations contract with independent workers for short-term engagements. In short, more temporary jobs and less full-time jobs.

I read recently that Intuit predicts that by the year 2020 40% of American workers will be independent contractors.  The current percent of temporary employees is less than 5% according to the US Department of Commerce. This prediction just about floored me, but when I started thinking about it, it makes sense.  Here is why...

First, the workforce is becoming much more mobile.  Many jobs today can be done anywhere, anytime and anyplace.  Digitization today allows for fast and easy access to data.  I can securely see the same information I need working from my home office versus sitting in a traditional brick & mortar office.. 

Second, as the millennial generation becomes more dominate, this type of work and work schedule, better fits many individuals within that age range.  The demand for a better work-life balance appears to be much more important than it is for previous generations.

Third, as the federal government mandates more employee laws on businesses of all size, many businesses won’t be able to afford it.  Some that can afford it won’t want to.  In a gig economy businesses save resources in terms of benefits, office space and training.  They also have the ability to contract experts for specific projects who would normally be too expensive to have as permanent staff.  

According to Eurostat approximately 12% of the work force in Europe is now temporary.  Spain itself is over 20%. 

So what does this mean?  For someone like me at the age of 53, it's hard to wrap my mind around it.  That being said, it hasn’t been all that easy for me to see the rapid changes that have occurred over the past few years. It’s not all bad and not all good, but for someone who enjoys change like me… it’s still too much too fast.  

I don’t believe that we will be at 40% in the year 2020, but I do believe that we will be closer to that figure than what we are at today.  Fasten your seatbelts.

I’m not sure if all of you feel this way, but I have felt a disturbing trend in America on how we treat each other.  It seems to me that our society has gotten to a point that being selfish, inappropriate and inconsiderate are now not only popular, but a show of strength. It doesn’t feel right to me.

Social media and emails are a normal way of life.  It now only takes seconds to really hurt a person or company by throwing something out there just to see what kind of reaction it gets.  Many times, emails are sent before really considering the tone of the communication.  Sometimes it’s nearly impossible to read the correct tone in written form. 

I believe it’s different at home today too. I remember when I was in high school (way back in the early 80’s) if I did something wrong the punishment from my teachers/principal would be nothing in comparison to the uncomfortable feeling I received (and deserved) at home.  I’m guessing that this doesn’t happen that much anymore, and while I didn’t enjoy it back then, I think that it made me a better person.  Inappropriate behavior wasn’t acceptable in my house growing up and I hope that our two sons would say the same. 

What happened to the day when we tried to create “win/win” solutions?  What happened to the day that we would compromise to get things done?  What happened to the days that two people would sit down and talk an issue out instead of just hammering away on Twitter? I miss those days, and I hope to see them return someday.  
 
The next time something is bothering you, pick up the phone and offer to buy the person a cup of coffee at your favorite coffee shop.  I’m extremely confident that this is a great way to improve the relationship both now and going forward.  In many cases you will find that your goals are similar and that there is a common ground.  Find that common ground and nourish it.  

​In Union Grove, Wisconsin there are two great organizations serving students with intellectual disabilities, Shepherds College and Shepherds Ministries. In fact, Shepherds College is the country’s leading three-year post-secondary educational program.  It’s a little gem hidden in this small Wisconsin village of 5,000 people.  I can tell you first hand that it’s a special place, with dedicated employees and great leadership.   The Village of Union Grove is very fortunate to have this remarkable place located here.

If you have a moment, I’d like to tell you a story about a Shepherds College student named Tony, and one of our Market Presidents at Community State Bank named Neil.

It’s a well-known fact in Union Grove that Tony spends much of his free time picking up aluminum cans around town.  He rides his bike from spot to spot collecting all the cans he can find.  An employee at CSB found out about Tony and his can collecting, and told Neil about it.  The employee told Neil that he saves and smashes all his cans, and that he currently had 2 full bags of cans in his garage. The employee asked Neil if he thought Tony might want them.

On a recent Sunday afternoon, Neil and his Dad showed up with their trailer and picked up the cans.  Now this isn’t that unusual, except that Neil was giving up some cherished family time, and time away from work to do this.  He gave the cans to Tony, and Tony sold them for $50.

However, the story doesn’t end there.  As I said, Tony spends a lot of his free time doing this.  You might be thinking that Tony does this for personal gain as I did. I was wrong.  Tony works diligently collecting the cans, and he donates the money he gets to his favorite place… Shepherds Ministries.  Tony is one of many people living at Shepherds with a heart bigger than Lake Michigan.
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When you get a chance today, do something nice for someone.  When you do that, think about Neil and Tony.

Want to learn more?
Check out the podcast we did with Dr. William Amstutz, President of Shepherds Ministries. [Click to listen]

I would like to first thank everyone who is following/reading my blog. I hope you enjoy it, because I enjoy doing it! The topics I write about will vary week to week. If you ever have a specific topic you’d like me to write about, let me know. I’m always happy to hear your suggestions!  
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Today’s topic is about working someplace special. Here at Community State Bank in Southeastern Wisconsin we talk about our “work family” and how important it is to us.  Now some companies only do that… talk about it; not here, we live it.

We have an employee here at CSB that is a wonderful example of living our core values. They’re a true supporter of the greater good, are a community leader, have a wonderful family, and are one of the nicest people you will ever meet. There is one problem though… this employee has a very serious health condition, which requires some extended healing time.

One of our employees felt that we as a bank needed to step in and help out this important member of our work family. So, she recruited a few other employees to brainstorm ways in which the bank could help.  They came up with some great ideas! One of them was organizing a “time bank” in which other employees could donate some of their precious vacation time to help their coworker as they healed.

Recently, I sent out an all employee email requesting the need for donated vacation time. The response was immediate and unbelievable. I was floored.

Keep in mind that we aren’t a huge corporation with thousands of employees; CSB has about 100 team members.  Within hours the generous employees of CSB had donated over 90 days of their personal and vacation time to their co-worker.  I called the person receiving it and I could tell that it took a huge burden off of their shoulders.

I talk to a lot of people who don’t have the privilege of working with such caring, respectable and trustworthy people.  I really feel for people who don’t have that privilege, because what we have here at CSB is special.

If you don’t have the pleasure of working at a great company, I encourage you to make a change.  Life is too short. 

Recently our Compliance Head (who I might add is excellent at her job) came into my office with a big smile on her face.  I asked her what was on her mind and she said “after months of work between my department, loan officers and the loan operations team we got TRID figured out”.  For those of you that don’t know what TRID is, it stands for TILA-RESPA Integrated Disclosure.  This is the largest mandated change on how we make home ownership a reality since Dodd-Frank that buried community banks back in 2010.   After she delivered that great news we did a high five and I thanked her and all the others involved in making this happen.  I was truly happy for her and the bank.   I went home that night with a feeling of accomplishment and proud of my staff.  We made the nearly impossible… possible!

I don’t know what made me think of this but another thought came to my mind over the weekend.   My lovely wife and I were vacationing on Mackinac Island in Michigan a few years ago.  While we were waiting in line to take a tour of the island a lady came up to me with a big smile on her face, similar to our compliance officer’s, and said “hi Scott”.   I was somewhat embarassed when she asked me “you have no idea who we are do you?”  Well she was right… no idea.  She proceeded to tell me that I made her and her husband their first mortgage loan which helped them buy their first home in Ankeny, Iowa in the mid 1980s.  She told me that I should be happy to know that they have since moved up to different homes 3 times since we “took the risk with them” at that time.  She gave me a hug and thanked me for making their dream come true for them and their family 30 years earlier.  It made me feel really good inside and I told my wife Andrea… that is what being a community banker is all about. 

Where have we gone wrong in America?  When did we go from being overwhelmed with joy for a young family buying a home to be overwhelmed with joy about being able to adhere to 2 huge government regulations?  I have to tell you, it made me sad.  When did we decide that it is appropriate to punish everyone instead of the large banks and brokers that decided to make and sell no income or assets verification loans which we in the community banking field called  “liar loans.”  When did we go from helping our neighbors build strong families and businesses to instead by scared of messing up a regulation that helps no one and knowing that we will be hammered on if we make even an honest mistake? 
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Now I’m not one of those guys that thinks all government is bad.  In fact I think some is really important.  I do wonder though how our founding fathers of this great country would look at us today.  I wonder if Franklin D. Roosevelt, while giving his speech on March 12, 1933 about the Banking bill that established the FDIC, would believe the direction we have now taken this.  I have to believe all of them would be in disbelief as I was thinking back the past 30 years.