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Christmas Club Accounts: Account balances will be transferred to the linked checking or savings account on October 1, 2015.

Economic Forecast Registration

Citizens National Bank invites you to a free conference for local businesses!

The speaker for the event will be Robert J. Morgan, Senior Consultant at Austin Associates, LLC. Mr. Morgan will be presenting his economic forecast for upcoming 2016 year. Lunch will be provided.

Bob Morgan

Robert J. Morgan

Senior Consultant
Austin Associates, LLC

Prior to joining the firm in 1990, Mr. Morgan served as a senior vice president and chief economist with a multi-billion dollar regional bank. He also served in executive management capacities with community banking organizations and has managed investment, trust, budgeting and financial forecasting functions. Mr. Morgan directs the firm's Financial Management Division and works with clients on all aspects of asset/liability and interest rate risk management, investment portfolio management and other aspects of bank financial performance. He has years of experience in the investment management field and within the banking industry. He earned an MBA from Wayne State University in Detroit after having received Bachelor's degree from Eastern Michigan University. He is a past president of the Southern Council of Asset Management and a graduate of the ICFA Institute at Princeton University.