Independent Banker - April 2019 - 64

Heritage Bank covers the
operating costs of the Heritage
Community Foundation, whose
board of directors includes several
bank employees and executive
director Mark Dose (far right).
so that she didn't have to enter a
nursing facility. "
One of the woman's four daughters
had power of attorney and noted, with
sadness, that she hadn't been able to
have a conversation with her mother in
some time, because her mother simply
didn't talk anymore. " When I arrived
at the mother's home, however, she
stood up, approached me and told me
that she thought I was from Dancing
with the Stars, " Melia says.
Melia didn't have to think twice. He
put out his hand, she took it and they
danced around the kitchen for about
15 or 20 seconds. He then helped her
back to her chair. " The daughters were
there and started crying because their
mom hadn't spoken in two years, "
he says. The daughters told him that
their mother had been a dancer as a
young girl and had continued to love it
throughout her life.
" Something triggered her to speak
to me, and it was pretty emotional.
She was able to be her old self, even
if just for a few seconds, " Melia says.
And even after she sat back down,
she continued to smile at Melia the
whole time.
" I still receive cards and calls from
the daughters because we were able
to help them get the HECM loan so
that their mother could stay in her
home, " he says. " They also tell me
she has been a diff erent person since
then. It's been good for her and for
her family. "
Turning a customer into a
small-business owner
The success story that occurred for
two customers of $356 million-asset
Bank of Luxemburg in Luxemburg,
Wis., simply would not have
happened if they had been customers
64 Q ICBA Independent Banker Q April 2019
of a regional or national bank. That's
because those institutions wouldn't
have been able to strategically
" connect the dots " the way that Bank
of Luxemburg did, says Tim Treml,
the community bank's president and
CEO.
" Recently, we had a customer come
to us who wanted to be in the bar/
restaurant business, " he says. " He
had put together a list of who his staff
would be, including people to manage
the front and the back offi ce. "
At the time, there was a bar and
restaurant in town that happened to
be on the market, which attracted
the customer's attention. When
the customer sat down with Treml
and others at the bank to discuss
purchasing it, they saw his excitement
and passion for the business.
However, in reviewing his fi nancial
information, they saw he didn't have

Independent Banker - April 2019

Table of Contents for the Digital Edition of Independent Banker - April 2019

Table of Contents
Independent Banker - April 2019 - Cover1
Independent Banker - April 2019 - Cover2
Independent Banker - April 2019 - Table of Contents
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