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Community Business Bank NewsWinter 2012Your Bank — Your Community — Your Choice™
®
New Computerized Milking System Frees Up Time to Better Manage Business with CBB’s Help
Brothers LaVern and Steve Schoepphave worked their dairy farm near
Roxbury since they were kids. Last year,they converted their 105-stanchion dairyoperation to a fully automated, robotic
milking opera-tion.
“Milking our herdused to take fivehours out ofevery day. Ournew automatedrobotic systemoperates 24/7 andis voluntary. Each
robotic machine can handle between 65-70cows a day. The cows get milked whenthey want to get milked. Some evenchoose to get milked three or more timesa day,” said LaVern.
LaVern explained that their two roboticDeLaval automated milking units were amajor expense (about $200,000 each) yetoffered numerous benefits. Between laborsavings and increased cow performance,the machines are paying for themselves.
“The new system seems to make our cows
calmer and more relaxed,” saidLaVern. “It also allows me tomanage my time better aroundmy own schedule and Steve canconcentrate on our diversifiedfarm crops. What’s more, wesave money by reducing theneed for part-time milking helpand we have found the quality ofour milk has improved. And,with improved milk quality, ourdairy cooperative pays us extra.”
LaVern explained that their somatic cellcounts (SCC) used to be around 200,000.Somatic cell counts are one of the main indi-cators of milk quality. The lower the num-ber the better. With this voluntary milkingsystem, L&S Farms now has a somatic cellcount average of around 150,000.
“We also save money because Steve and Iact as our own contractors,” LaVern con-tinued. “Since our farm has become moreand more automated, we now havemore time to do our own construc-tion and building improvements. “
L&S Farms is Becoming Even MoreFuturistic
In January, the brothers installed anautomatic calf feeding station thatsaves them even more time. “Calvesneed to be handled two times a dayand we usually have between 30-35calves at any one time on our farm,”LaVern noted. “Our new calf feeding sta-tion is also voluntary just like our milkingstations. Needless to say, this newmachine saves us a lot of work.”
When asked why L&S Farms banks with
LaVern Schoepp stands next to one of the new automated milking unitshe and his brother, Steve, had installed at L&S Farms last winter.
Phot
o by
Mic
hael
Car
igna
n an
d co
urte
sy o
f the
Sau
k Pr
airie
Sta
r.
LaVern and Steve Schoeppof L&S Farms.
An automated robotic milking machine operates 24hours a day and handles 65-70 cows daily. It allowsthe cows to be voluntarily milked when they choose.
CBB, LaVern talked about the Bank’s ser-vice, flexibility, convenience and friendli-ness. “Steve and I chose to bank withCommunity Business Bank when we tookover our parent’s farm in 1995. Lenderstook the time to understand our businessand they made it easy for us to do ourbanking. Often, they would come out toour place to have papers signed so wecould keep on working.”
“CBB’s rates are verycompetitive and theBank is very responsiveto our needs. CBBmakes it very easy tobank with them andthey seem to be avail-able 24/7, just like ourmilking machines. Andagain, just like ourrobotic milking ma-
chines, Community Business Bank freesup our time so we can concentrate onrunning our farm operation better.” ■
L&S Farms of Sauk City LLP8706 Hwy YSauk City, WI
“Community
Business Bank
frees up our time
so we can
concentrate on
running our farm
operation better.”
Changes on the Horizon
All of us at Com-munity Business
Bank hope that you arehaving a great winterseason, and we arewishing you and yourfamilies allthe best in2012!
As we begin a new calendaryear, we have lots of excitingnews to share. The Bank willbe relocating its main locationto 608 Phillips Boulevard,Sauk City before the start ofsummer. Our new home isunder construction now, andwe invite you to follow our progress inperson or at www.communitybusiness-bank.com. Click on “Watch Our NewBuilding Progress” link under CBBUpdates. Below is a rendering of ourpending new home, which I am sure youwill agree is very attractive. This strategicmove is being made to provide our orga-nization with higher visibility, along withgreater ease for our clients, especiallythose utilizing the drive-up area. It is alsoan opportunity to incorporate more effi-ciency into our workflow.
In conjunction with our move to PhillipsBoulevard, we will also be changing ourname to reflect both a stronger tie to ourservice area, and our association with ourlargest shareholder, River HoldingCompany. As of May 1, 2012, our new
name will be Wisconsin River Bank, andwe want to share and unveil our newlogo.
All of us at the Bank are veryexcited to share these upcom-ing changes and to let youknow that you will continueto be served by the same teamof outstanding professionals.Be assured that you will notneed to make any changes inregards to your bankingaccounts and/or checks. Youwill see our new logo andname, Wisconsin River Bank,
incorporated into your check orders afterMay 1st, and correspondence in themonths ahead will reflect our changes.
Wishing you continued success and pros-perity in 2012,
COMMUNITY BUSINESS BANK
Your Bank – Your Community – Your Choice™
Debra R. Lins, President
Rendering showing the front of the new Bank build-ing located on Phillips Boulevard in Sauk City.
Upcoming Seminars & EventsDate Seminar Topic
March 3, 2012 Women’s Well Being: Your Health & Wealth(see insert for details and information on registering for this popular event)
—Seminar Highlighting Upcoming Tours—
Pacific Northwest & California(July 30-August 6, 2012)
and
Rome & the Amalfi Coast(October 11-20, 2012)
Tuesday, February 21, 2012Registration and Light Lunch: 5:30 – 6:00 p.m.
Presentation: 6 :00– 7:30 pm
Community Business Bank1111 Sycamore Street, Sauk City
Presenters:
Debbie Corrao Travelog Travel
Julius SteckerCollette Vacations
To register, call (608) 643-6300 or emailBarbara at [email protected]
Collette VacationsSeminar
“This strategic move
is being made
to provide our
organization with
higher visibility
along with greater
ease for our clients.”
CBB Newsletters—Going Green
If you would like toreceive upcoming
issues of CommunityBusiness Bank Newsvia email, please noti-fy [email protected] with your emailaddress. The Bank
also makes available recent issues on ourwebsite at www. communitybusinessbank.com. ■
Hate doing yourown taxes?
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O N T H E
Director Linda S.Balisle retired from
the Bank’s Board ofDirectors in January.We want to thank Lindafor her seven years ofdedicated service andthe expertise she pro-
vided to our organization.
The Bank recently welcomed two profes-sionals to our CBB Team. Katy Helmerjoined the Bank as a drive-up teller in ourLodi branch and Jeanne Taylor has takenon the drive-up teller duties in Sauk City.Welcome Katy and Jeanne!
Greg C. Garton, Jr. , Vice PresidentLending, was recently elected to the SaukPrairie Chamber of Commerce Board ofDirectors at their Annual Meeting onJanuary, 16, 2012. ■
We all know asenior citizen
who may be livingon a fixed income.Even though scamstargeting the elder-ly are prevalent,they are not the
only things to watch for when it comes toyour parents’ finances. How can you helpprotect your parents’ finances?
■ Start by asking your parents whichorganizations matter the most tothem. Develop a giving plan thatincludes only those groups. Keep alist of these groups so you can referto it.
■ Put your parents’ phone number onthe Do-Not-Call Registry. However,this registry will not stop unsolicit-ed requests for donations from not-for-profit organizations.
■ Register your parents with theDirect Mailing Association toremove their names from its nation-al mailing list.
If your elderly parents start receiving
Thank YouWe would like to express our sincere appreciation to all of our “Just 4 Kids” Clubmembers who visited the Bank during our Client Appreciation Open House event andbrought non-perishable food and personal care items for the local food pantries inDecember. The food pantries were extremely grateful for the items which were able tobe distributed in time for the holidays.
Club NewsletterWe hope you are enjoying your most recent “Just 4 Kids” Club newsletter, whichshould have arrived in your mailbox. If you have any news to share in the upcomingnewsletter, email [email protected].
To become a “Just 4 Kids” club member, call a CBB Personal Banker at eitherof our locations.
Linda S. Balisle
Showcase Your Business
at CBB
The Sauk Prairie Area Food
Pantry, Irongate Equine
Clinic LTD and Heavenly Be
LLC recently provided dis-plays in the Bank’s lobbyshowcase. Stop in to view our“showcase” which highlightsdifferent business clients andnot-for-profits each month. ■
Conducting YourTransactions
Online
Federal financial regulators are report-ing that Internet threats have changed
significantly over the past several years.Sophisticated hacking techniques andgrowing organized cyber-criminal groupsare increasingly targeting financial institu-tions, compromising security controls,and engaging in online account takeoversand fraudulent electronic funds transfers.
Federal regulations provide consumerswith some protections for electronic fundtransfers. These regulations generallyapply to accounts with Internet access.For example, these federal laws establishlimits on a consumer’s liability for unau-thorized electronic fund transfers. Theyalso provide specific steps you need totake to help resolve an error with youraccount.
In order to take advantage of these protec-tions, you must act in a timely manner.Make sure you notify us immediately ifyou believe your access information hasbeen stolen or compromised. Also reviewyour account activity and periodic state-ment promptly so you can report anyerrors or unauthorized transfers as soonas possible. ■
Monitoring Your Elderly Parents’Finances
notices for unpaid bills; have unusualactivity in their bank account, such as sus-picious withdrawals; or you are seeingsignatures on documents that do notmatch their own, they may be a victim ofelder financial abuse. If you suspect elderfinancial abuse, contact Wisconsin’s elderabuse hotline, (www.dhs.wisconsin.gov/aging/elderabuse/) and contact your locallaw enforcement. ■
1111Sycamore Street
P.O. Box 636
Sauk City, WI 53583-0636
Address Service Requested
PRSRTSTDU.S. POSTAGE
PAIDPermit No. 1Madison, WI
© 2012. Community Business Bank.
Community Business Bank
1111 Sycamore Street, P.O. Box 636
Sauk City, WI 53583-0636
Phone: (608) 643-6300
Fax: (608) 643-5444
Hours: M-F 8:30-4:30 and by appt.
Drive-up: M-F 8-6; Sat. 9:00-noon
807 North Main Street
Lodi, WI 53555
Phone: (608) 592-7788
Fax: (608) 592-5518
Hours: M-F 8:30-4:30 and by appt.;
Sat. 9:00-noon
Drive-up: M-F 8:30-5:30; Sat. 9-noon
www.communitybusinessbank.com
Member FDIC
This newsletter does not constitute tax, legal, accounting, orother professional advice. We attempt to be accurate, but neither we nor any other party shall be liable for loss or dam-ages resulting from reliance upon or use of this material.
Your Most Up-To-DateContact Information
Needed
In this fast paced technological world,email addresses and cell phone numbers
are constantly changing. Please notifyCBB of any changes to your email addressand/or phone number as soon as theyhave changed. ■
Electrical SafetyInformation for Farmers
Electrical safetyon farms has
never been moreimportant. Youmay be able toincrease your
safety, productivity and protect your live-stock from stray voltage with AlliantEnergy’s Farm Wiring program.
■ Alliant Energy will pay the first$1,000.00 of a qualifying wiringproject;
■ Alliant Energy then pays 50 per-cent of the remaining cost up to$9,000.00;
■ Alliant customers may be eligiblefor financing for up to $20,000.00,at 3% interest. (Must meet setqualifications.)
To learn more about the Farm Wiringprogram contact [email protected]. ■
Growing Our Community With Money To Lend
" Ye s , b a n k s m a y h a v e m o r erules to follow these days, yetCommunity Business Bank hasnot stopped investing in peopleor our local businesses. Cal lus today for al l your personaland business loan needs."
CBB is making a differencein the community!
Debra LinsPresident
Expanding your business?
Found that dream home?
Time to update a piece ofequipment?
Have you found a morefuel efficient car?
Member FDIC
