Eastern Regional Community Development Plan

Retail and Mortgage Lending Activities

A. Target Mortgage Lending Goals (2014 Prior Year)

• Believable Banking – Home Mortgage: $4MM over 3 years
• Believable Banking – Home Improvement: $2MM over 3 years

B. Diverse Community Engagement Marketing Strategy

I. Traditional Advertising Mediums

• WVON Radio: Midway Broadcasting Corporation is a best-in-class 35-year-old African-American owned media boutique whose properties include radio and interactive platforms. MBC’s properties include WVON 1690AM, Chicago’s urban heritage station. With its urban talk format, the station is lauded as a leading source of information and community empowerment.
• WRLL Radio: Chicago’s Home for Hispanic Independent Broadcasters. WRLL is committed to preserving the authentic voice and culture of Chicago’s growing Latino target market.
• The Journal Standard: The Journal Standard offers the Scene, covering Stephenson County; which includes Freeport and surrounding rural communities, as well as the On-Target digital display.
• HOY: Hoy is a free Spanish-language newspaper with an engaging and energetic format distributed in areas of Chicago and neighboring suburbs with a dense Hispanic population.

II. Non-Traditional Mediums

• La Herradura Rodeo Arena Horseman Association/Joliet

III. Participation in Community Events

• Alianza Hispanic Heritage Award Celebration
• Asociacion de Charros Caminos de Guanajuato event
• Mexican Independence Celebration/Kankakee County Hispanic Outreach Program
• NAACP Freedom Fund Banquet
• National Hook-Up of Black Women
• Spanish Community Center 2015 Youth Baseball/Softball Program Sponsor
• Spanish Community Center Family Fiesta

C. Diverse Mortgage Loan Officers & Management

I. Community Development & CRA Officer

II. (1) Community Development Mortgage Consultant

Small Business Lending – Believable Banking, “Emerging Business Program”

The objective of the Emerging Business Lending & Capacity Building Program (EBP) is to provide emerging company’s access to adequate market-rate capital liquidity, training, and other professional services, so they grow and increase capacity, creating economic opportunity in their communities. Emerging business are defined as: Minority/Women/Disadvantaged and Small Businesses as defined by the SBA SBIC guidelines. 

Community Development Partnerships

• Alianza
• CASA of Will County
• Champaign CDC
• Champaign Park District Foundation
• Courage Connection
• Dearborn Realtist
• Don Moyer Boys & Girls Club
• ECI Score
• Habitat for Humanity
• Housing Action Illinois
• Joliet Chamber of Commerce
• Kankakee Chamber of Commerce
• Kankakee Housing Authority
• Kankakee County Hispanic Outreach Program
• Kankakee County Small Business Development Center
• Kendall County Food Pantry
• Kendall County PADs
• La Herradura Rodeo
• Morningstar Mission
• NAACP-Kankakee County Branch
• NAHREP-National Association of Hispanic Real Estate Professionals
• National Hook-Up of Black Women, Inc
• Parkland College
• Presence St. Joseph’s Medical Center
• Rialto Square Theatre Foundation
• Senior Housing Crime Prevention
• Spanish Community Center
• United Way
• Veteran’s Assistance of Will County/Patriots Inc.
• Will Grundy Medical Center
• Will County Center for Community Concerns
• YMCA

Community Outreach and Engagement

A. Financial Education

• Spanish Community Center
• Harvey Brooks Foundation
• NICAA Northwestern Illinois Community Action Agency

B. Community Advisory Board – Meets Quarterly

• R. Lee Bailey, Retired Owner—Bailey’s Carpets
• Ed Czerkies, Owner—Ed Czerkies Construction Co
• Alfredo Melesio, City of Joliet
• Don Fisher, President—Joliet Area Chamber of Commerce

C. Outreach and Engagement Efforts: Organization Membership, Board & Committee Appointments

• Alianza
• Champaign Chamber of Commerce/Economic Committee
• Champaign County Community Development Corp
• Courage Connection
• Dearborn Realist
• Fox Valley Family YMCA
• Greater Joliet YMCA
• Hispanic Latino Coalition
• Joliet City Partnership
• Kankakee Chamber of Commerce
• Kankakee County Hispanic Outreach Program
• Kendall County Food Pantry
• NAHREP-National Association of Hispanic Real Estate Professionals
• NHS-Neighborhood Housing Services
• Presence Covenant Medical Center
• Presence St. Joseph Medical Center Foundation
• Rialto Square Theater
• Spanish Community Center
• United Way
• Will-Grundy Medical Center

Multi-Lingual Materials and Services

Midland States Bank will have multi-lingual materials available and provide access to multi-lingual staff as needed.