Citizens National Bank and Williamson Insurance Present 2017 Ag Outlook

agoutlook_1417On Tuesday, January 24 beginning at 8:30 am, Citizens National Bank and Williamson Insurance Agency will jointly offer a free seminar to local farmers and ag businesses. The event will be held at the Delphos Eagles Aerie #471, 1600 E. 5th Street, Delphos, Ohio. A continental breakfast will be served prior to a presentation by Williamson Insurance describing an overview of annual crop insurance changes and what farmers can expect in the upcoming year. Featured speaker, Bryce Knorr, Senior Market Analyst with Farm Futures Magazine, will follow with the main presentation. Lunch will be served immediately following.

About Bryce Knorr: Senior Market Analyst Bryce Knorr first joined Farm Futures Magazine in 1987. In addition to analyzing and writing about the commodity markets, he is a former futures introducing broker and is a registered Commodity Trading Adviser. He conducts Farm Futures exclusive surveys on acreage, production and management issues and is one of the analysts regularly contracted by business wire services before major USDA crop reports.

Those wishing to attend may RSVP to 888-399-5276 by January 21.


Want to Know Your Balance in an Instant?

Instant BalanceInstant Balances Now Available through our Mobile App!

If you haven’t updated your CNB Mobile App recently you’re missing out on its newest feature, Instant Balances. This enhancement makes it possible for you to designate which accounts you’d like to to be able to view current balances of without even having to log in to the app. Setting it up is easy – update your app, log in, then click More in the bottom right corner. You’ll see a button for Instant Balances Settings on the left side. A list of all your accounts will show. Simply checkmark which accounts you’d like to include and Save. The next time you open your app, you’ll see a dollar sign in a circle in the upper right corner. Tap on that to view balances for the accounts you selected. You may choose up to 6 accounts to view in Instant Balance. View a demo to see how it works.

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Ask the Lender – Calculate the Costs

Abby Hornish

Abby Hornish      Defiance Office        NMLS #1379135

There are a lot of factors to consider when determining the costs of purchasing a home. Fortunately, our website,, has a variety of mortgage calculators available for you to input different scenarios in order to understand what makes the most sense for you. These interactive calculators are easy to use and address many different questions you may have, such as “What’s the Maximum Mortgage I qualify For?”, “Should I Consider a 15 Year vs. a 30 Year Mortgage Term?” and “Should I Buy Points to Get a Smaller Monthly Payment?”. These calculators are a good starting point as you begin to look at your finances and work with your lender.

Here’s a list of all the Mortgage Calculators available on our site. Check them out:

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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What is the Direction of the US Economy?

2017 Economic Forecast

Economist Bob Morgan is optimistic the nation and Northwest Ohio will continue to see steady economic growth in 2017. Increased consumer spending, job growth, increased wages and overall consumer confidence all play a part in the continued upswing of the nation’s economy. In Northwest Ohio, Morgan expects the housing and automobile markets to remain strong and manufacturers to begin to increase output. Political gridlock will be a major issue facing the divided country and until those issues are resolved, no major fiscal policy changes can be expected, according to Morgan.


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The Season of Giving is Here

season-of-giving-popmoneyPopmoney to Help Ronald McDonald House Charities

Now through the end of December, for every Popmoney sent $5 will be donated to Ronald McDonald House Charities of Northwest Ohio. Popmoney through CNB Bill Payment is a simple way to pay som
eone back or give someone a cash gift wihtout having to write a check, The recipient doesn’t even need to bank with us. All you need is their mobile phone number or email address to initiate the payment. At the same time, you’ll be providing help to families of sick children in Northwest Ohio. Citizens National Bank will tally up the total amount of Popmoney transactions sent during the months of November and December and donate $5 for every one, up to $500.

To learn more about Popmoney, check out the online demo.

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Need a Last Minute Gift? Purchase a Holiday Gift Card from CNB!

holiday-gift-cards-newsletterVisa gift cards from Citizens National Bank come in any denomination you choose from $10-$1,000. They may be used anywhere Visa is accepted, including for online purchases as long as they’re registered. There are several designs to pick from. Purchase price is $4.95 per card. Bulk orderes are even available and you can have them shipped directly to your home for added convenience. Stop in a CNB office today to purchase a Visa holiday gift card and finish your shopping list!

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