Shazam Announces 2018 Forum Conference Lineup


You won’t want to miss Shazam’s premier event April 10 – 12 at the Des Moines Marriott Downtown in Des Moines, Iowa. There’s so much to be excited about and Shazam has just unveiled the forum’s keynote speakers.

Connie Podesta, Author of 10 Ways to Stand Out from the Crowd
Connie’s an expert on leadership, change, life balance and getting your act together. Connie will take you right inside the minds and personalities of the people you deal with every day, so you can act, rather than react to whatever life throws your way. Get ready for less stress and more success!

Jim Olson, Former Chief Counterintelligence of the CIA
In Jim’s presentation, he’ll take you inside the real world of being a CIA spy. He describes the rigorous training they receive and the difficult dilemmas that they face in the field on a daily basis. Jim will also discuss the role of the CIA in the current Global War on Terrorism and other current issues affecting the safety and security of American citizens.

And there’s so much more. SHAZAM’s experts will host informative session with great entertainment. Click Here to view the full agenda.

You won’t want to miss this chance to learn, share and have a great time! Register Now and take advantage of early bird pricing before January 31.


IRS Updates its IRA Form 5305 Series

On September 6, 2017, the Internal Revenue Service posted updated traditional, Roth, and SIMPLE IRA model agreements (i.e., IRS Form 5305s) to its website. An IRS Form 5305 is the contract used to establish an IRA. Significantly, this is the first update the IRS has made to the IRA Form 5305 series in fifteen (15) years. Principal attorney Karl Leslie from CBSC preferred provider Wolters Kluwer provides a summary of the changes. Read More.


Digital Banking

Apiture - NEW!

Apiture is a global-leader in commerce enabling technology and has taken digital banking to the next level by developing a secure, simple and effective product suit to meet the needs of today’s customer. The user-friendly online banking platform makes it easy for businesses and consumers to manage all their banking needs, including online bill pay, cash management for business, and personal financial management for consumers.

For more information, contact Christian Ofner via email at, via phone at 615-585-1125, or visit Apiture website.

About Community BancService Corporation, Inc.

A subsidiary of Community Bankers Association of Illinois (CBAI), CBSC aggregates the “clout” of CBAI member banks to negotiate lower costs and provide improved access to essential bank products and services. CBSC recommends products and services that assist banks with income-production, expense reduction, consulting, marketing, compliance, equipment, insurance, lending, A/L management and payments. Before the CBSC board of directors awards any program an exclusive partnership, it is subjected to a rigorous due diligence review that includes extensive testing by members, occasionally by independent experts, and negotiation of special member-only benefits. This process typically takes up to six months.

Today, CBAI members use an average of more than five CBSC preferred providers. Last year, members collectively saved nearly $ 1.5 million in purchasing discounts from CBSC-recommended firms. Contact CBSC today and share in the savings.


Midwest Office Acquires Ridders Business Supply

Midwest Office has completed its most recent merger, this time with Ridders Business Supply located in Quincy, IL.

Ridders is now operating under the name of Midwest Office. Paul Ridder, owner of Ridders Business Supply, has been in business since 1972 in the Quincy market. Midwest Office is a preferred service provider of Community BancService Corporation (CBSC). See News Release.


BankTrends Launches New Efficiency Ratio Tool

BankTrends, CBSC's Preferred Partner for bank peer group and market analysis, has launched a new Efficiency Ratio Calculator that enables community bankers to easily calculate the effect prospective changes in income and expenses will have on their bank's Efficiency Ratio.

The Efficiency Ratio, a measure of overhead as a percent of revenue, is a hot topic for most community bankers. It is a quick and easy measure of bank management's ability to control operating costs while generating income. An increase in the bank's Efficiency Ratio means an increase in operating expenses, a decrease in income, or both.

When bankers think of efficiency they often think of expenses, but the other side of the equation, income, is just as important. For example, how would raising loan rates 25 basis points impact the bank's earnings and Efficiency Ratio? How about calculating the impact of growing the bank's loan portfolio 10% or raising deposit-related fees?

Now, CBAI member banks can easily calculate the impact different income and expense scenarios will have on their bank's Efficiency Ratio. For more information and to give it a free, no-obligation test-drive, please go to