Community News
Larry Ziglar Speaks to Area Rotary
Larry Ziglar, CEO of First National Bank of Benld, spoke to the Area Rotary Tuesday, August 2. Ziglar expressed his feelings for the historic coliseum. It is a “sad circumstance,” Ziglar said, “Everyone has a piece of that building or at least a memory to enjoy the rest of their life.”
Ziglar was honored to be asked to speak to the Rotary and he spoke of the challenges of First National Bank for this year and the years forward.
First National Bank reports to many agencies that people may not be aware of. Obviously, they report to the IRS and FBI, but they also report to Social Security Administration, Drug Enforcement Administration, local Sheriff departments, and other local law enforcement. Under this guideline, the Bank abides by the Bank Secrecy Act and under this act they have to report cash deposits or withdrawals over $10,000, that is something that is reported through a currency report. “Many people are now aware of this requirement,” Ziglar told the Rotary, “They have started to use multiple deposits in multiple locations.” To keep tabs on the cash-flow, First National Bank had to purchase a $50,000 package of software to track individual deposits throughout the branch network. To put this into perspective, there is a large amount of paperwork supplied to the local and federal authorities since there is an “estimated 3 million of those currency transaction reports” throughout the country that happen. First National Bank supplies the paperwork to the government covering those currency transactions, but they never receive information how the reports are used to support criminal activity. “I am certain these reports are to try to catch tax evaders or drug activity, but we never hear back from the authorities if our information produced any positive affect on society,” Ziglar stated. Over the last two years, the bank has hired three people to just do bank secrecy for the government and its agencies.
Ziglar asked Sheriff Deputy Don Albrecht, who was in attendance, if the information the bank records yield any help to the law enforcement. Albrecht said that majority of the records are used to monitor illegal drug activity more than any other things. “It does help with drug traffic,” Albrecht said.
Ziglar then went on and introduced new regulations sent down to First National Bank since the 2008 collapse of the big banks. First off, the banks got a 474 page letter sent by the Federal Reserves. This letter requested comments on how to determine eligibility among money borrowers. “The main question always asked,” Ziglar mentioned, “Is, can they repay the loan?” This is a question community banks have been asking forever. These community banks are tied into Wall Street banks, Ziglar said, because people make these unconsciousness loans. Wall Street has its problems, but all the banks have to abide by the same rules.
Another bill that has been passed down to the banks is the Dodd Frank bill. The bill was written last year, but it is now incorporated into the banks starting this year. Since 2008, many laws have been sent in the banks direction, Ziglar told the Rotary. Some of these laws include, but are not limited to:
- New Regulation Z is a Federal Reserve mandate that prohibits creditors from extending credit without regards to the consumers of billing to pay. This is something the bank has always been aware of. This law also required creditors to substantiate their income. In other words, this seems like another novel idea. This law entails about 12 different amendments to it and the banks have to add these to their lenders, but try to maintain some consistency as well.
- Bank Secrecy was another law that was changed in 2008, it stated the banks were to provide more information to federal agencies.
- Regulation C: Home Mortgage Disclosure Act was also introduced back in 2008. This was a change in the rates that the bank were able to charge when they sold loans up to a Freddie Mack or Fannie May. This regulation mainly concerned fixed rate mortgage areas.
- Home Evaluation Code of Conduct was inserted as well. This is a safe guard for appraisers and their independents they appraise for.
- Regulation GG: unlawful internet gambling by commercial customers. The bank has to monitor commercial accounts to make sure they are not using illegal gambling as a vice online.
- There is also FACT Act, which requires banks to identify red flag risk assessment.
- Regulation CC is the changing and rerouting of checks throughout the bank system.
- Regulation DD was introduced bank in 2008 too. This regulation changes advertising in overdraft charges.
- The bank has new regulations instated on private educational loans.
- All lenders have to registered with the federal government and have a loan number attached to each individual lender. Many community banks were not part of this lending, but they are all now mandated to be finger-printed.
Through all these little acts and changes to the system has cost First National Bank $1 million a year just to be in compliance with all these news amendments and changes. “As these new laws come down, they challenge us to monitor our overhead exposure in order to try serve the customer,” Ziglar said. First National Bank is almost doing more reporting to the government today than trying to fulfill their duty to represent their customers. It has been a hard time for First National and many other businesses. “I do not see this challenge being eliminated in the next 5 years,” Ziglar said. The next 5 to 10 year period could possibly mean a slow growth for everyone, Ziglar forcasted.
Ziglar closed with, “Business needs firm direction.”
Comments
FELONIES
Christopher L. Black, 43 of Virden, is charged with home invasion/causing injury and two counts of aggravated battery of a peace officer in connection with a January 4 incident.
Casey W. Sobberi, 40 of Wilsonville, is charged with burglary in connection with a January 3 incident.
Eugene Arnold, 62 of Royal Lakes, is charged with aggravated battery/great bodily harm, aggravated battery/use of a deadly weapon, and domestic battery/bodily harm in connection with a January 6 incident.
Michael A. Upton, 34 of Palmyra, is charged with twelve counts of child pornography and possession of methamphetamine (5 grams) in connection with multiple dates in 2025.
Bryer D. Greff, 31 of Virden, is charged with aggravated battery/public place, resisting a peace officer/firefighter/corrections employee, and two counts of disorderly conduct in connection with a January 7 incident.
Shayne W. Dugger, 26 of Palmyra, is charged with possession of methamphetamine (<5 grams) in connection with a September 28 incident.
Sarah L. Winston, 36 of Carlinville, is charged with possession of methamphetamine (<5 grams) in connection with a November 4 incident.
TRAFFIC
Austin D. Courier, 30 of Vriden, is charged with driving on a suspended license in connection with a December 30 incident.
Courtney N. Lomelino, 23 of Virden, is charged with speeding 26-34 mph over the limit in connection with a December 25 incident.
William R. Dyer, 55 of Carlinville, is charged with leaving the scene, driver failing to give notice of a crash, transporting/carrying alcohol/driver, operating an uninsured motor vehicle, improper traffic lane usage, seat belt required/driver, and failure to reduce speed in connection with a January 4 incident.
Billy R. Austin, 44 of Modesto, is charged with expired registration, operating an uninsured motor vehicle, and being unlicensed in connection with a January 4 incident.
Richard W. Wallis, 63 of Nilwood, is charged with driving on a suspended license in connection with a January 5 incident.
Stephanie E. Jennings, 34 of Girard, is charged with canceled/revoked/suspended registration in connection with a January 6 incident.
Bruce A. Day, 60 of Carlinville, is charged with driving on a revoked license and operating an uninsured motor vehicle in connection with a January 5 incident.
Clayton R. Sampson, 19 of Palmyra, is charged with speeding 26-34 mph over the limit in connection with a January 6 incident.
Dakota R. Lavely, 20 of Troy, is charged with speeding 26-34 mph over the limit and operating an uninsured motor vehicle in connection with a January 5 incident.
Wayne E. Mitchell, 46 of Brighton, is charged with driving on a revoked license, operating an uninsured motor vehicle, and expired registration in connection with a December 30 incident.
Monty M. Gardner, 55 of Brighton, is charged with driving on a suspended license and operating an uninsured motor vehicle in connection with a January 2 incident.
DISSOLUTION OF MARRIAGE FILED
- Catherine Harrison versus David Breen
- Margaret Putman versus Justin S. Putman
- Taunia R. Moore versus Blake A. Moore
MARRIAGE LICENSES
- Wade Logan Yates of Brighton and Anna Catherine Marcy of Riverton.
- Douglas Guennewig and Buffy Riddens, both of Staunton.
Comments
SUNDAY, JANUARY 4, 2026
An officer was dispatched to the 300 block of South 4th Street in Benld in reference to a domestic dispute.
An officer was dispatched to the 300 block of Charles Street in reference to a 911 call.
An officer was dispatched to South Hard Road in Benld in reference to an animal complaint.
An officer was dispatched to the 700 block of East Walnut Street in reference to a 911 call.
An officer was spoke with a male at the Gillespie Police Department in reference to harassment.
MONDAY, JANUARY 5, 2026
An officer spoke with a female at the Gillespie Police Department in reference to neighbor trouble.
Jiles R. Lyons, 36 of Benld, was arrested on a Macoupin County warrant for failure to appear for possession of another’s credit/debit card.
An officer spoke with a male at the Gillespie Police Department in reference to an animal complaint in the 600 block of North 7th Street in Benld.
An officer was dispatched to the 200 block of East Burton Street in reference to an animal complaint.
An officer was dispatched to Osie Street and Handy Street in reference to a security check.
TUESDAY, JANUARY 6, 2026
An officer was dispatched to the 300 block of South Hard Road in Benld in reference to juvenile issues.
An officer was dispatched to the 400 block of West Burton Street in reference to a 911 call.
An officer spoke with a male at the Gillespie Police Department in reference to harassment.
An officer was dispatched to the 300 block of West Walnut Street in reference to a neighborhood dispute.
An officer was dispatched to the 300 block of North Francis Street in reference to a 911 call.
An officer was dispatched to the 300 block of East Elm Street in reference to an animal complaint.
An officer was dispatched to Macoupin Street and Walnut Street in reference to suspicious activity.
WEDNESDAY, JANUARY 7, 2026
An officer was dispatched to the 100 block of South 5th Street in Benld in reference to a burglary.
An officer initiated a traffic stop at Springfield Road and Virginia Street in East Gillespie. Debra A. Brooks, 65 of Carlinville, was issued a citation for speeding.
An officer was dispatched to the 700 block of Adams Street in reference to ordinance issues.
An officer was dispatched to the 400 block of South Illinois Street in Benld in reference to criminal trespass to property.
An officer initiated a traffic stop at Macoupin Street and Osie Street. Kylee P. Cothern, 18 of Benld, was issued a citation for expired registration and operating uninsured vehicle.
An officer was dispatched to the 200 block of Springfield Road in East Gillespie in reference to a hit and run traffic crash.
An officer initiated a traffic stop at Springfield Road and Virginia Street in East Gillespie. Tiana F. McFarland, 28 of Staunton, was issued a citation for speeding.
An officer initiated a traffic stop at Springfield Road and Virginia Street in East Gillespie. Debra A. Brooks, 65 of Carlinville, was issued a citation for speeding.
THURSDAY, JANUARY 8, 2026
The School Resource Officer was dispatched to the High School office in reference to a fight.
An officer initiated a traffic stop at Springfield Road and Illinois Street in East Gillespie. Darlene Karns, 70 of Gillespie, was issued a citation for speeding.
An officer initiated a traffic stop at 7th Street and Pine Street in Benld. Dylan S. Richards, 32 of Staunton, was issued a citation for suspended registration.
An officer was dispatched to the 400 block of South Illinois Street in Benld in reference to a security check.
FRIDAY, JANUARY 9, 2026
An officer was dispatched to the 300 block of Park Avenue in reference to criminal trespass.
An officer was dispatched to the 200 block of West Spruce Street in reference to criminal damage.
An officer was dispatched to the 200 block of South Montgomery Street in reference to a 911 call.
An officer spoke with a female at the Gillespie Police Department in reference to a theft in the 500 block of South Jersey Street.
An officer spoke with a male at the Gillespie Police Department in reference to an animal complaint in the 200 block of West Maple Street.
The School Resource Officer was dispatched to the 300 block of East Oak Street in reference to a juvenile issue.
SATURDAY, JANUARY 10, 2026
An officer was dispatched to the 100 block of Frey Street in reference to criminal damage.
An officer initiated a traffic stop at Macoupin Street and Pine Street. Racheal A. Aleshire, 47 of Gillespie, was issued a citation for driving while her license was revoked.
An officer initiated a traffic stop at Hard Road and Central Avenue in Benld. Amber R. Brackett, 31 of Gillespie, was issued citations for suspended registration and for no insurance.
An officer was dispatched to the 700 block of Springfield Road in East Gillespie in reference to a well-being check.
An officer was dispatched to the 300 block of East Elm Street in reference to an animal complaint.
An officer was dispatched to the 100 block of North Macoupin Street in reference to an intoxicated pedestrian.
An officer was dispatched to the 500 block of West Virginia Street in East Gillespie in reference to stalking.
All subjects are presumed innocent until proven guilty in a court of law.
Comments
FELONIES
Micah J. Ramsey, 39 of Carlinville, is charged with aiding/abetting/selling a stolen vehicle and driving on a revoked license in connection with a December 27 incident.
Shawn M. McBride, 38 of Staunton, is charged with obstructing justice/destroying evidence in connection with a December 18 incident.
Riley G. Rhodes, 18 of Carlinville, is charged with possession/displaying an altered ID card in connection with a December 18 incident.
Shane S. Bell, 35 of Girard, is charged with possession of methamphetamine (<5 grams) in connection with a November 6 incident.
MISDEMEANORS
Ted. E. Hanner, 50 of Bunker Hill, is charged with obstructing identification in connection with a December 3 incident.
Brittany M. Lyons, 35 of Benld, is charged with criminal trespass to a building in connection with a December 19 incident.
Betty J. Jamieson, 75 of Carlinville, is charged with violating the animal control act in connection with a December 29 incident.
James J. Denby, 27 of Carlinville, is charged with criminal trespass to land in connection with a December 8 incident.
Tricia J. Pfeiler, 37 of Carlinville, is charged with battery/cause bodily harm and cruelty to animals in connection with a January 1 incident.
Rodney J. Rosentreter, 60 of Gillespie, is charged with criminal damage to property (<$500) and resisting a peace officer/firefighter/corrections employee in connection with a January 1 incident.
TRAFFIC
Rustin L. Reed, 19 of Springfield, is charged with speeding 26-34 mph over the limit in connection with a December 27 incident.
Passion M. Kinzey, 33 of Chicago, is charged with canceled/revoked/suspended registration in connection with a December 27 incident.
Ella R. Robinson, 20 of Bonne Terre, MO, is charged with speeding 35 mph over the limit in connection with a December 30 incident.
Julie B. Kruse, 55 of Staunton, is charged with driving on a suspended license and operating an uninsured motor vehicle in connection with a December 18 incident.
Gregory A. Knezic, 60 of Staunton, is charged with driving on a suspended license and improper use of registration/title in connection with a December 23 incident.
Dixie L. Moffitt, 73 of Worden, is charged with canceled/revoked/suspended registration in connection with a December 22 incident.
Dakota L. Schoondyke, 28 of Virden, is charged with driving on a suspended license and operating a motor vehicle with suspended registration in connection with a December 26 incident.
DISSOLUTION OF MARRIAGE FILED
- Debra E. Seago versus Carl L. Seago Jr.
MARRIAGE LICENSES
- David L. Ehlers and Shirley Marie Lee Haines, both of Bunker Hill.
- Steven D. Clattenburg and Billie Jo Croll, both of Virden.
- Robert J. Halpin and Chelsea L. Kirkover, both of Gillespie.
