Recipe – Chocolate Chip Cheesecake Bars

chocolate chipsThe best of all worlds – cheesecake filling on a cookie dough crust.

3 tubes of chocolate chip cookie dough
3 eggs
16 ounces cream cheese, softened
2 teaspoons vanilla
1½ cups sugar

Preheat oven to 350 degrees. Press one tube of cookie dough into the bottom of a greased 9×13 pan. Mix cream cheese, eggs,
sugar and vanilla. Pour cream cheese mixture over cookie dough in pan. Slice remaining cookie dough tube into thin slices and place on top of mixture. Bake for 1 hour at 350 degrees.

Recipe was submitted by Marilyn W. from our “Cooking It Up withCNB” recipe contest.

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Findlay Rated #1 Micropolitan Community in the Nation!

Findlay-Hancock County has been ranked the top micropolitan community in the U.S. for new and expanding facilities for 2014 by Site Selection magazine. All 576 micropolitan areas across the nation were ranked, each with a population of 10,000 – 50,000 people. As a state, Ohio performed well, claiming 4 of the top 6 micro areas and 20 of the top 100. Findlay earned the top spot with its 20 corporate facility investment deals, landing more than $250 million in facility investment deals from large and small employers alike. Findlay was rated #2 in 2013 and #3 in 2012.

Here are some examples of investments made last year in Findlay.

  • McLane Co. announced a $119 million new automated grocery distribution center
  • Marathon Petroleum Corp. announced a $22 million Logistics expansion (will be > $80 million when completed)
  • Cooper Tire & Rubber Co. announced a $12.75 million Global Technical Center (will be > $40 million)
  • Rowmark LLC completed an $11 million expansion

With all these deals, it’s clear that Findlay’s companies are expanding. In fact, Findlay saw an increase of 1,000 employees in the past year, dropping unemployment to 3.3%. Locals are likely to agree with Duane E. Jebbett, president of Rowmark LLC who says, “Findlay-Hancock County is a great place to live and work. We have many progressive business big and small. We are growth-oriented, progressive, and a positive community. The Midwest culture is highly ethical and hard-working, and community is important to us.” To support his claims, Findlay was voted the best place for young people to grow up… for 3 years in a row.

Findlay is also improving its infrastructure, building new roads, new railways, and completely rebuilding 4 intersections, all of which make Findlay even more attractive to companies. Director of Findlay-Hancock County Economic Development Anthony Iriti was cited as saying, “We place a lot of emphasis on retention and expansion of our existing industry base. That has always been our number one priority. By knowing our local base and knowing what programs are available from the state, we can help our local companies expand. Our second priority is the attraction of new business.” Iriti adds, “Winning the Top Micropolitan award epitomizes what we have known all along. We have a world-class community with world-class employers. This legitimizes what we have been saying.”

Related Article: Findlay-Hancock County Economic Development

During the War of 1812, Colonel James Findlay built a road and a stockade to transport and shelter troops in the Great Black Swamp region. This stockade was named Fort Findlay in his honor, and after the war, the community of Findlay was born.

Citizens National Bank is proud to be a part of this community… serving Findlay for over 10 years!

We’ve Upgraded Your Mobile Banking Experience!

Life is busy. That’s why at Citizens National Bank, we are all about finding ways you can spend less time banking and more time living. Our latest mobile banking update makes it easier for you to search for our app and gives you an updated design and a more streamlined signup process. And the best part? You can more conveniently and securely manage your money anytime from anywhere! As part of the upgrade, the app will now be titled “Citizens National Bank of Bluffton Mobile App” in the App Store and “Citizens National Bank Mobile” in Google Play, and the CNB logo will appear next to the app name; to easily find the app, search for “cnbohio” in the App Store or in Google Play.

First time users: Just download the app onto your device, enter your Online Banking login information, and start mobile banking!

Existing users: Next time you log into TouchBanking, you will receive a notice that your app needs updated. This update will allow you access to our new custom app, CNB Mobile, identifiable by our logo as the icon. While there will be a new look to the app, the functionality will remain the same as TouchBanking.

Updating your App:

  1. Click Update Now and you will be redirected to the CNB Mobile App.
  2. Install the App.
  3. When you launch the App, you will need to enter your user code. This is your Online Banking Access ID.
  4. Answer your security question.
  5. Enter your Online Banking password and begin mobile banking!

Once you download the new CNB Mobile app, you will need to delete the TouchBanking app from your phone. The next time you access the CNB Mobile app, you will only need to enter your password. Please feel free to contact your local customer service representative with any questions or concerns you may have.

App Features:

  • View your account balances and transaction history
  • Transfer money between CNB accounts
  • Pay bills and credit cards; Popmoney
  • Deposit checks directly from your phone with Mobile Deposit
  • Find ATMs and branch locations

If you don’t have a smartphone but still want to check your banking information from your phone, you can take advantage of CNB’s text-based mobile banking. Once enrolled, simply text codes, such as BAL for balances, to the number given at enrollment and a message is sent back to your phone with the current balance in the account you indicated. You can also opt to be notified when specified changes occur to your account through CNB Messenger text alerts. Available codes include: “BAL” = balance, “HIST” = transaction history, “ATM + street or zip” = nearest ATM location, “BRANCH + street or zip” = nearest branch location.

Ask the Lender: “What is a credit score, how does it affect my loan and how can I improve it?”

Michael Dulle Elida

Michael Dulle Elida Branch Manager, MLO #1210669

The first question I often hear, especially from first time home buyers is “What is a credit score, does it affect a loan decision, and how can I improve that score?”. A credit score is a three digit number, which is calculated from your credit report and is one factor lenders use to determine your credit for a loan or credit card. This score can affect whether or not you are approved, and what interest rate you will be charged. A credit score can range from a low of 300 to the highest of 850. A credit score is important in the consideration on a loan, but is not the only factor in a loan decision. The top three credit bureaus in the United States are Equifax, Experian, and TransUnion.

There are five areas that calculate your credit score and the weight it affects the score.

  • Payment History (35%)
  • Amount Owed (30%)
  • Length of Credit History (15%)
  • Types of Credit Used (10%)
  • New Credit (10%)

To improve your credit score make sure that you always make your monthly payment on time. Missing a payment or being late on even one payment can affect the score quickly. Also make sure the balances you have on your credit cards are lower than 30% of the credit limit. Carrying over the balances of the credit card on a monthly basis is dangerous to your score. Lenders look at the credit history to show the experience people have with loans. The longer you have the account the higher the score will be. If you do not use an account (credit cards) and want to cancel one, cancel one that was opened the most recent. Closing one that you had the longest, removes that history from your credit report.

Make sure you have a mix of credit on your credit report. A mix of credit shows experience of different account types. Sticking with one type of loan can hurt the credit score. Finally taking out too many new credits too quickly can hurt the credit score – this can also include the number of credit inquiries lenders use in the application process. New credits and new inquiries are considered a range of six to twelve months. If you are shopping around for the best rate try to keep the search in more than one month. There are multiple websites where you can view your credit report on a monthly basis. You may get a free yearly credit report at It is important to review this report to be sure there are not fraudulent charges or incorrect reports of credit you owe that could affect your score.

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Ask the Lender – What are SBA loans and how can they help?

Pat Ryan, SVP/Van Wert City President

Pat Ryan, SVP/Van Wert City President

There are many situations when we partner with the Small Business Administration to provide credit to the business community. The most popular program according to our customers is the SBA504 loan program. It allows a business to finance up to 90% of the cost of a project. The most attractive feature is that approximately half of the financing is eligible for a long term fixed rate of interest. The 504 program is very well suited to a real estate or equipment purchase along with construction projects.

Two other SBA programs we utilize are the 7A program and the SBA Express. The 7A program provides additional security to the bank due to the 75% guaranty the SBA provides. This allows a highly leveraged company to expand its operations while providing the bank with a guaranty thereby limiting any potential loss. The SBA Express program is very similar to the 7A program except it has a 50% guaranty and the maximum loan size is $350,000.00. The Express program has a streamlined paperwork process and is perfect for a lot of smaller companies.

One last program to mention is the State of Ohio 166 loan program. The 166 program is very similar to the SBA504, but it is administered through JobsOhio versus the Small Business Administration. The rates and fees are typically less than the SBA504 rates and fees. The only drawback is that the program is limited to manufacturing and warehousing operations. Retail businesses are not eligible to participate.

We highly recommend that every business evaluate all the available loan programs when making a fixed asset purchase or expansion. Many times the benefits of these programs far exceed the costs.

SBA Lending: Under the 7(a) program the SBA will guarantee up to $5mm or 75% of the loan amount, whichever is less. Under the SBA Express program the amount is $350,000 or less and up to 50% of the loan amount. Under the 504 program the SBA through a Certified Development Company (CDC) will fund up to $5mm with 50% financed by a bank, 40% by the CDC and 10% by the business.

Making Your Message Stick

Ellen Dunnigan CEO Accent on Business Indianapolis Indiana

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. Communications specialist Ellen Dunnigan outlines some of the key factors in grabbing your audience’s attention and getting them to remember what you said.

  1. Think about your purpose and why you are communicating that message. What do you want the result to be?
  2. Know your customers/audience. What communication style may be most effective for that age group or personality style? What questions might they have about your information?
  3. Use eye contact, tone of voice, appropriate gestures and body language to more effectively communicate so they will remember your message even if they do not remember your name.

As an employer it is important to think about the generation you are communicating with and what will make the most sense to them. We need to constantly update our technology to grab the attention of younger employees. For older employees, it is important to establish a more personal relationship, incorporating good non-verbal communication.

She notes it is important to be engaged with your employees because when your employees are engaged with your company, they will be more engaged with your customers.

To view Ellen’s video, visit our video page. Accent on Business is a Public Speaking & Communication Skills Firm based out of Indianapolis, IN. They work with companies nationwide on improving presentation and communication skills. Visit Ellen’s website to learn more.


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