Southern Business Journal - June 2016 by The Southern Illinoisan

June 2016

THE

BUSINESS OF SIN What do these industries mean to the state as far as tax dollars? Cover story begins on PAGE 4

INSIDE

Directory of Advertisers Rare Chophouse ..................... 7

JUNE 2016 ON THE COVER

THE BUSINESS OF SIN: WHAT DO THESE INDUSTRIES MEAN TO THE STATE’S TAX RECEIPTS?

PAGES 4-5, 7

SPECIAL REPORT

YELLEN: ECONOMY IMPROVING BUT TIMING OF RATE HIKE IS UNCLEAR.

PAGES 8-9

YOUR OPINION

THE QUESTION: HOW DO GOVERNMENT REGULATIONS CONTINUE TO AFFECT YOUR BUSINESS?

PAGE 10

PUBLIC RECORD

SOUTHERN ILLINOIS BANKRUPTCIES AND BUILDING PERMITS.

PAGE 11

southern

BUSINESS JOURNAL “ONE REGION,ONE VISION”

Boys and Girls Club of Carbondale Business of the Month

SIU Credit Union ................... 12 Southern Illinois University .... 6 Williamson County Airport .... 11

southern

BUSINESS JOURNAL “ONE REGION,

ONE VISION”

The Southern Business Journal is a publication of The Southern Illinoisan. Contact us via mail at 710 N. Illinois Ave., Carbondale, IL 62901, or at P.O. Box 2108, Carbondale, IL 62903. Also reach us on the Web at www.sbj.biz and via email at SBJ@ thesouthern.com. The Journal is published 12 times per year monthly and distributed by The Southern Illinoisan and www.thesouthern.com. Copyright 2016 by The Southern Illinoisan, all rights reserved. A subscription may be obtained by calling 618-529-5454 or 618-997-3356, or by visiting our website.

Publisher John Pfeifer 618-351-5038 Special Projects Coordinator Rhonda May 618-351-5077

The Boys & Girls Club of Carbondale is pleased to announce Mayer Creative Branding as their Business of the Month for June 2016!

PAGE 2 JUNE 2016 SOUTHERN BUSINESS JOURNAL

cover

STORY

The Business of Sin DUSTIN DUNCAN THE SOUTHERN‌

‌Editor’s note: This is a preview for a series of articles by The Southern Illinoisan starting Sunday, June 12. This article is an overview of the next four Sunday editions of The Southern that will cover the business of gambling, alcohol and tobacco, sex shops and strip clubs, and fireworks. Some of the industries in Illinois that people tend to look unfavorably on at times are also the same industries that bring in millions of dollars to state and local budgets each year. Gambling, alcohol, tobacco, strip clubs, adult stores, and — in Illinois — even fireworks are considered taboo. Yet, outside of the fireworks, all of these things in Illinois are legal. However, alcohol and tobacco users have recently been the target of a tax increase, and establishments with adult entertainment either must charge patrons at the door, or pay a flat fee determined by its gross receipts at the end of the year. Riverboat casinos are hit with an admissions tax and also a percentage of its annual adjusted gross receipts are turned over to the state, according to the Illinois Gaming Board. Another aspect of gaming is the video gaming terminals that went live in October 2012. The state receives 25 percent of the revenue that is distributed each month.

Gambling‌

In April, Harrah’s Casino in Metropolis had an annual adjusted income — the establishment’s total gross income minus certain deductions — of $7,254,991, according to the Illinois Gaming Board. The casino hasn’t had an income of more than $10 million since 2007 when it saw multiple months of more than $13 million. Metropolis Mayor Billy McDaniel said

Byron Hetzler, The Southern‌

the decline started in 2007 when the economy started to dip, and it was down about 42 to 45 percent. “It has never recovered,” he said. “The economy hurt and the extra money wasn’t there to spend.” As for the city of Metropolis, McDaniel said the city receives about $356,000 a month. He said that is less than half of what the city received in July 2006

Page 4 June 2016 Southern Business Journal

when it received about $800,000. He said the revenues from the casino can fluctuate heavily one way or the other. He said in 2015 there was a month where revenues were 17 percent higher than the year before, but there was also a drop of 18 percent in another month compared to the previous year. “(Harrah’s) has been vital from the onset and it was tremendous,” McDaniel

said, speaking on the casino’s impact to the city. “We have actually tried to wean ourselves from it. We are not there and if the casino was nonexistent, it would have a tremendous effect on the city of Metropolis. On Aug. 23, 2005, new admission tax rates became effective. Riverboat casinos were charged $3 a person. For each admission, $1 goes to the host

cover

story community and the remainder goes to the state. For the annual adjusted income, the casino is taxed 15 percent of its income up to $25 million — and the percentages get larger as more income is collected, according to the Illinois Gaming Board. Local communities receive 5 percent of this share. In 2015, Harrah’s had an adjusted income of $83,432,264. The state received $16,178,209 and Metropolis received $4,851,281. McDaniel also said the influx of video gaming has also contributed to the decrease of players at actual casinos. “Rather than go to a casino, you can go somewhere off-site,” he said. “They actually pay better than the casino. The percent of payout is much better in the slots.” According to state records, the state has received $563,042,845.78 in revenue since video game machines went live in October 2012. In Southern Illinois, local leaders aren’t necessarily thrilled with the idea of video gaming to pump money into the city, but some are glad to see the dollars. Bob Butler, mayor of Marion — Southern Illinois’ second largest city in terms of population — said it is a travesty for the state government to rely on gambling to receive funds, but the money the city receives is appreciated. “In my mind, it is tainted, but we can spend it for a good purpose,” he said this past March. The revenue from video gaming goes straight into the city’s general fund. The city of Marion has received $190,146.27 in video gaming funds since April 2015 to April 2016. However, in Carbondale, the mayor has said in the past that the he doesn’t think the social cost of gambling is worth the revenue. He would rather see the money come from other sources. “This is making gambling accessible to the masses,” said Carbondale Mayor Mike Henry. “A lot of those folks really can’t afford it and they have their hopes on it.”

Alcohol‌

In Illinois, the state imposed an increase in the liquor gallon tax in September 2009. It bumped the price of beer, wine and spirits on sellers of alcohol, including airlines, direct shippers, distributing companies and

from the city of Chicago, $3 from Cook County and then it adds Illinois’ $1.98 per pack, it’s easy to see how the price gets high. When comparing this to other states surrounding Illinois, it is not uncommon for those in Southern Illinois who smoke to make a trip to Missouri where the tax on tobacco products from the state is about 11 times cheaper. According to the tax policy center, Missouri imposes a $0.17 tax per pack. While Missouri is much lower, other states including Kentucky at $0.60 per pack and Indiana at $1 per pack are still much lower than Illinois. According to the commission, state revenues for the cigarette tax started to dip after FY 2007, after the state implemented the smoke-free law. Revenues continued to dip, falling The Southern File Photo‌ According to state records, the state has received $563,042,845.78 in revenue since video game below $600 million and staying below that number until FY 2012 when it machines went live in 2012. reached $606 million. FY 2013 is when the state saw the big 6 percent. manufacturers. jump in revenue from the cigarette tax, Indiana boosts a $0.12 per gallon The amount of tax placed on the alcoand it was also the first year after douhol is determined by its alcohol content. beer tax, a $0.47 wine tax, and a $2.68 bling the tax per pack. In FY 2013, the liquor tax. However, Indiana does have For beer, or any drink with an alcohol state generated $856 million from the content of 0.5 percent to 7 percent, has a a higher state sales tax than Illinois at cigarette tax. 7 percent. $0.231 per gallon tax. The tax has remained stable at about According to the Commission of For wine or liquor — other alcohol $860 million, the commission reports, Government Forecasting and Accountthan beer — with an alcohol content of ability’s Economic Forecast and Revenue but with estimated drops in FY 2016 and 14 percent or less has a tax of $1.39 per Estimate for Fiscal Year 2017, the liquor FY 2017 of $834 million and $813 milgallon. Additionally, a spirit with an alcohol content of more than 14 percent, tax has been bringing in more than $200 lion, respectively. million in revenue since FY 2012. That but less than 20 percent is also $1.39 year, the revenue jumped from $182 mil- Strip clubs a gallon. lion to $279 million. For an ever bigger jump, those spirand adult entertainment‌ According to the commission, the its with an alcohol content or more liquor tax brought in $283 million in than 20 percent, there is a tax of $8.55 What is probably the most controFY 2015, and is scheduled to bring in per gallon. versial industry when it comes to what $285 million and $287 million the next For comparison purposes, the states some would call a morality issue is strip that touch Illinois all have a lower tax on two years. clubs and adult entertainment shops. alcohol, which may make it desirable to Whether visiting the Lion’s Den Adult drive across the state line, according to Superstore in Marion on Illinois 148, or Tobacco‌ the tax policy center. driving on U.S. 51 to De Soto to the CoySmoking and tobacco use taxes have In Missouri, the beer tax — less than been in the news and debated for several ote Club, these places exist and have to 7 percent alcohol — is $0.06 per gallon. years in Illinois. In 2007, the state made pay some taxes as well for the entertainThe wine tax — less than 14 percent it illegal to smoke indoors and within 15 ment provided. alcohol — is $0.42 per gallon, and the The state passed what the Live Adult feet of the entrance of the establishment liquor tax — more than 20 percent alco- with the Smoke-Free Illinois Act. Entertainment Facility Surcharge. It hol — is $2 per gallon. The state also has was created in response to declining In 2012, the state voted to increase a state sales tax of 4.23 percent. Illinois the statewide tax on packs of cigarettes state funding for rape crisis centers. The is at 6.50 percent sales tax. law allows the Illinois Department of from $0.98 cents to $1.98 cents. That In Kentucky, the taxes are a bit didn’t include home-rule municipalities Human Services to administrator the higher than Missouri, but much lower funds to the centers. and counties that can add additional than Illinois. According to the statute, a live entertaxes if those leaders choose to do so. The beer tax in Kentucky is $0.08 tainment facility is a business that In Chicago, packs of cigarettes are per gallon, the wine tax is $0.50 per serves or allows alcohol consumption, approaching $12 a pack for brand name gallon, and the liquor tax is $1.92 per products. According to tobaccofreekids. has provided nude or semi-nude activigallon. Kentucky has a state sales tax of org, this includes an additional $1.18 ties predominately related to an interest

Southern Business Journal June 2016 Page 5

Southern Business Journal

grow Your comPAnY At tHe siu reseArcH PArK Direct Access to Business KnowleDge in one locAtion! My partners and I were struggling a bit with our company on our own, not sure of our next move, when someone directed us to the SIU Research Park. We found the complete package of professional resources we needed there, as well as a connection to like-minded entrepreneurs, all in one location. Moving into the Park has made a big difference for us! –Deb Osterholm Jung Saffron Scientific Histology Services www.saffronscientific.com

The resources available in the SIU Research Park are designed to help you compete and succeed in the ever-changing business market. We offer space in our incubation program as well as commercial office, lab, and industrial/warehouse sites. Whether you need market research, a business plan, marketing advice, or financing assistance, we have the solutions.

call or come by today for a visit or tour and find out how we can help your company reach their goals. contact Kyle Harfst, executive Director, siu research Park, at 618-453-3427 or harfst@siu.edu. Visit us online at researchpark.siu.edu.

June 2016

cover

STORY

according to the Illinois State Police. For those individuals who like to have a display on their property, the Fire Marshal’s Office said to check with your municipality to make sure an ordinance has been passed allowing it. Also, adults must attend training conducted at the local fire department. That person must have their site inspected by the fire department and then apply for a permit. Once the permit is approved, the Fire Marshal’s Office said the consumer can purchase approved consumer fireworks from a registered consumer fireworks distributor. A list of such retailers can be found on the Fire Marshal’s website. According to the American Pyrotechnics Association, the United States has been on an upward trajecFireworks‌ tory with firework revCertain fireworks are enue. In 1998, the nation illegal in Illinois, but the state could be missing out generated $141 million on tons of money by con- based on display firework presentations and $284 tinuing the ban on sales million from consumers of these Independence buying fireworks. Day staples. In 2015, those numbers Residents can buy have more than doubled novelty fireworks like with $340 million genersparklers and cap guns, ated from display presenand other legal fireworks tations and $755 million can be found on the Illifrom consumer purchases. nois State Fire Marshal’s Julie Heckman, spokeswebsite. The illegal ones person for the American can be found there, too, Pyrotechnics Association, like hand-held fireworks, bottle rockets, firecrackers said many states have been relaxing on firework laws and Roman candles. because they see the revBecause our neighbors to the east in Indiana have enue potential from it. She said states are more relaxed laws on firemaking multiple millions works, Illinoisans may be tempted to drive across the of dollars annually from consumer fireworks and border, but it can be considered a federal offense to Illinois is definitely misstransport fireworks across ing out because consumers state lines, which could be are heading to Indiana or punishable by up to a one- Missouri to buy them. She said firework sales year sentence in prison, in nudity or sex and those activities include those performed by a person who is entirely unclothed or who appears to be nude or semi-nude through transparent clothing. According to the Illinois Department of Revenue, the surcharge is calculated by using either the number of admissions into the facility or the gross receipts collected by the facility operator. The facility can choose to pay $3 for each person that walks into the facility or pay on a tiered basis by how much revenue is collected in a year. If the facility collects less than $500,000, it pays $5,000. If it collects more than $500,000, but less than $2 million, the fee is $15,000, and if a facility collects more than $2 million, it must pay $25,000.

The Southern File Photo‌

Video gambling machines are pictured in 2012 at the Herrin VFW.

in West Virginia just became legal in 2016, and the state is taking the money to fund homes for veterans. “States are looking at what can be funded with such a tax,” Heckman said. The professional fireworks that shoot in the air during a holiday celebration aren’t available except to licensed professionals, and those are regulated by the Bureau of Alcohol, Tobacco, Firearms and Explosives, she said. However, the massive growth in fireworks throughout the years has been on the consumer side, not the professional side. dustin.duncan@thesouthern.com 618-351-5823 on twitter: @zd2000

Southern Business Journal June 2016 Page 7

--- FINE DINING • WINE • STEAKS • MEETING ROOMS ---

1/2 Price Appetizers • House Wine • Draft Beer from 4pm-6pm Mon-Sat 224 SOUTH 10TH MOUNT VERNON, IL 618-244-RARE • RARECHOPHOUSE.COM

special

report

AP‌

Federal Reserve Chair Janet Yellen answers a question during a news conference in Washington.

Yellen: Economy improving but timing of rate hike is unclear Page 8 June 2016 Southern Business Journal

The Associated Press

‌WASHINGTON — Federal Reserve Chair Janet Yellen indicated Monday that the U.S. economy is improving but remains defined by so many uncertainties that it’s unclear when the Fed should resume raising interest rates. Speaking in Philadelphia, Yellen struck a broadly positive and optimistic tone about the economy. She noted that the job market had strengthened significantly since the Great Recession and said that consumer spending and economic growth seem likely to accelerate after a tepid start to 2016.

special

Report

But the Fed chair suggested that a dismal jobs report that the government issued Friday raised some doubts about the broader economy. She referred repeatedly to the uncertainties surrounding the Fed’s outlook. In doing so, Yellen dropped a reference she had made in a speech May 27 that a Fed rate hike would likely be appropriate “in the coming months.” In its place, she offered no specific timetable for the Fed to act. Yellen’s speech had been highly anticipated given that it comes a week before the central bank’s next meeting. Until last week, many analysts had thought the Fed could raise rates on June 15 — or, if not then, at its subsequent meeting in late July. The bleak jobs report for May, and Yellen’s speech Monday, seemed to fan doubts about any Fed rate hike this summer. “She did not address the timing of the Fed’s next gradual move, which suggests to us that she is in no hurry,” said Chris Rupkey, chief financial economist at MUFG Union Bank in New York. “We are telling clients to take the summer off. See all of you Fed watchers in September.” Investors sent stock prices up, reflecting a belief that a June rate hike is now even less likely than it had seemed after Friday’s weak jobs report and that borrowing rates will remain ultra-low. The Dow Jones industrial average closed up 113 points. In her speech, Yellen called the employment report “disappointing” but cautioned that it would be wrong to put too much stock in a single monthly report. Without referring to any particular date, she said, “I continue to believe that it will be appropriate to gradually reduce the degree of monetary policy accommodation, provided that labor market conditions strengthen further and inflation continues to make progress toward our 2 percent objective.” Inflation, by the Fed’s measure, has remained persistently below its 2 percent target. Given the uncertainty facing the economy, Yellen stressed, the Fed cannot move on “a preset path.” “For a time in January and early

February, financial markets here and broad became turbulent and financial conditions tightened, reflecting and reinforcing concerns about downside risks to the global economy,” Yellen said.

“She did not address the timing of the Fed’s next gradual move, which suggests to us that she is in no hurry. ... We are telling clients to take the summer off. See all of you Fed watchers in September.” Chris Rupkey, chief financial economist at MUFG Union Bank in New York She said that as a result, Fed officials felt “it would be prudent” to keep rates unchanged at meetings in January, March and April. In recent months, she said, markets have recovered, and many of the foreign risks have diminished “although some risks remain.” While consumer spending in the United States seems to have rebounded, Yellen said the Fed needs to weigh renewed concerns about the job market. Balancing optimism with caution, Yellen said she expects the hiring slowdown to be temporary but said

the Fed will need to see further data to confirm that view. Part of the uncertainty, she said, reflects continued foreign threats, including economic challenges in China and an upcoming vote in Britain over whether to leave the European Union. In a question-and answer-session with the World Affairs Council of Philadelphia that followed her speech, Yellen was asked about fears that the world economy could be headed for a crash if Donald Trump, the presumptive Republican presidential nominee, were to win the White House. “I’m sorry — I have got nothing for you on that,” Yellen said to laughter from the audience. “We are very focused on doing our jobs. We will just see what happens.” Afterward, Yellen took part in a discussion at the West Philadelphia Skills Initiative, which offers career training and connects job seekers with neighborhood employers. The area is home to the University of Pennsylvania and Drexel University, as well as a host of hospitals, but a large swath of the community grapples with poverty. One program graduate, Myna Whitney, told Yellen that she finished at the top of her high school class yet even with financial aid couldn’t afford to continue attending Widener University. She said the program gave her the confidence and skills to apply for jobs. She now works at Drexel as a medical assistant in gastroenterology. After being in the program, “I felt like I could work wherever I wanted — like I could work for the Federal Reserve,” Whitney told Yellen. Before the poor jobs number was released, speculation had been growing that the Fed might raise its key policy rate for a second time next week. The Fed had modestly increased its benchmark rate in December from a record low near zero, where it had been since the height of the financial crisis in 2008. Employers added just 38,000 jobs in May, the weakest monthly gain in more than five years. Job gains have now averaged just 116,000 in the past three months, down sharply from an average of 230,000 in the 12 months ending in April.

Southern Business Journal June 2016 Page 9

your

opinion

How do government regulations continue to affect your business?

‌M

y company, Karco Inc. DBA: RollnUp Smoke Shop and Liquor, was derived from a chain of Phillips 66 and BP convenience stores branded One Stop. The fuel business, like the tobacco and liquor industry, is no stranger to government regulation, taxes, and controversy. I grew up watching my father weather the storms of high fuel prices, low margins, supply shortages and EPA regulations in the midst of growing Karco Inc. He constantly reminded me that businesses that grow and thrive constantly adapt and change with the times. Any business that sells age-restricted products understands the great responsibility of being a safe retailer. We also know that there are stiff repercussions and heavy liabilities if we do not follow the law. The rules and regulations with the sale of cigarettes and tobacco have become more complex with each year, while liquor laws are pretty steady with little change. When I started as a cashier in 1993, our biggest issue was not selling to a minor and making sure the pack donned an Illinois tax stamp. There was a major shift in 1998 due to The Tobacco Master Settlement Agreement. Pack prices jumped and advertising decreased. In 2002, Illinois raised its pack tax from 58 cents to 98 cents. In 2012, Illinois increased its pack tax by $1. Needless to say, carton sales took a nose dive and cigarette buyers began shopping for their smokes in our bordering states. We began focusing our efforts toward single pack sales, rather than market cartons. In 2009, we reprogrammed hundreds of SKUs in our register systems to take out words like “light,” “mild” and “full flavor,” substituting them with names of colors due to a 2006 U.S. federal court decision regarding deceptive advertising practices by the tobacco companies. In 2013, the Food and Drug Administration stated that if you had self-serve tobacco you had to be an 18-years-old-and-up location — no exceptions. This has probably been the most difficult law to communicate to our customers. Our stores have walk in humidors and walls of bagged tobacco. I couldn’t simply move all tobacco products behind the counter. When this law was enforced, we had no choice but to prohibit minors from entering our stores, even if they were accompanied by a parent. We put up signage far in advance, but we were still inundated with complaints. In 2016, along with state and local liquor licenses, we now have to have a state cigarette license. Another form to fill out and another fee to pay.

Page 10 June 2016 Southern Business Journal

RollnUp Smoke Shop and Liquor

Provided‌

With each of these changes — although challenging — we felt it was best to enforce the rules before they became mandatory. With 13 locations, implementing small policies take time, let alone restructuring how we market and sell a major category in our store. I know that selling smokes and booze will never make me the most popular business gal in town. I get it, my own mother wishes I would find something else to market. Like all small business owners I face challenges daily, but like my dad, I will adapt and work hard. I am grateful for the opportunity to employ awesome people and do business in Southern Illinois. Holly Kruep is the president and CEO of RollnUp Smoke Shop and Liquor.

fine

Permits Carbondale‌

Grayson Properties, 100 N. Emerald Lane, $5,000 Sorensen Enterprises, 614 N. Springer St., $5,000 Andy Fonck, 716 N. McKinley St., $38,000 Chris Wissman, 1111 W. Walkup Ave., $2,000 Sun Valley Estates, 110 Black Diamond Drive, $10,000 Sun Valley Estates, 1106 Black Diamond Drive, $10,000 Sun Valley Estates, 1110 Black Diamond Drive, $10,000 Viking Development, 300 W. Charles Road, $145,000 The Printing Plant, 608 S. Illinois Ave., $11,000 Lone Star Steakhouse, 1160 E. Main St., $2,000

Marion‌

Harold and Rose Powell, 700 N. Washington St., $80,000 Steve and Lisa Clendenin, 2901 Old Creal Springs Road, $35,000 Martin and Bayley (Hucks), 2700 W. Main St., $1,050,000 Lee Webb, 700 N. Carbon St., $250,000 Joe Main, 2303 Pamela Drive, $28,000 Brokton Webb, 909 E. Carter St., $340,000

Metropolis ‌

Norris Story, 1101 E. Third St., $50 Norris Story, 1101 E. Third St., $3,500

Mount Vernon ‌

Drive, $0 Continental Tire of the Americas, 11525 N. Illinois Highway 142, $90,000 Shriners Vandalia Onion Fundraiser, various locations, $0 Thomas Swyear, 13 N. Highland , $13,800 Cecil and Tamatha Prater, 1208 S. 25th St., $0 Enlightened Management LLP, 1121 Veterans Memorial Drive, $0 Donna Keele, 18 Crownview, $10,970 Larry Kent, 17 Sunset, $8,404 Second Baptist Church, 605 S. 34th St., $0 ATT/Rick’s Towing Inc., 1900 S. Eighth St., $20,000 KGI Wireless/ALC Investments, LLC, 7 Cusuman Professional Plaza, $25,000 Huck’s, 3300 Broadway, $29,376 Huck’s, 201 Main St., $29,376 Jagger’s Doggie Daycare, LLC, 414 Main St., $1,300 Popcorn Pete, three locations, $0 Frankie Dixon, 2947 S. 13th St., $1,000 LLHC, LLC (Peoples Choice Pawn), 310 S. 12th St., $10,000 SAC Wireless/Jeffrey Meyers, 14275 N. Pumphouse Lane, $51,500 Jefferson County Comp Services, 1200 Veterans Memorial Drive, $45,000 Southern Illinois Door—Dave Hampton, 901 S. 22nd St., $0 Menard’s, Wells Bypass, $0 Panera Bread, 101 N. 44th St., $1,000 Jeff Donoho, 2813 Caroline, $0

BLT Properties Mini Storage, 1135 Veterans Memorial Drive, $275,000 Murphysboro‌ Allstate-Shields Insurance, Jared Naas, 526 John St., 2100 Broadway, $7,500 Robert Martin, 816 Woodland $1,400

Lane, Red Bud Angela L. Garner, 7543 E. Karma Mount Vernon Road, Waltonville Angela F. Evans, 21945 Cairo Ave., Eric W. and Victoria Lynn Bowen, Heath H. and Nichole L. Tamms P.O. Box 208, Irvington Crews, 9840 Old Highway 13, Joshua A. Swan, 1001 E. Carter, Trent M. and Kaelynn N. Murphysboro Marion Thompson, 2804 Logan St., ‌Chapter 7 Patirica J. Walker, P.O. Box 201, Mount Vernon David W. and Karen Denise Smith, Nathan R. and Ashley D. Guined, Hurst 603 E. Seventh St., Metropolis Suzan Hodges, P.O. Box 57, Villa 119 Williford Road, Jonesboro Bradley J. Whiting, P.O. Box 22, Jonathan Shad and Jacqualine R. Ridge Noel Alexis McKinney, 5281 A. Marion Campbell, P.O. Box 571, Mount Keith R. and Leanna K. Rubach, Country Club, Murphysboro Carmel Charles Ross Cockrum, 209 S. 4550 Old Bremen Road, Chester Matthew S. Watkins, 4992 Court St., Benton William Cole, P.O. Box 203, Robin Lee and Betty Jane Willeford, Creal Springs Tamms Steven D. Studt, 6991 Menke Williams, 207 Barr St., Sandoval Roberta Sandusky, 1413 N. Della Road, Walsh Luis J. Wolters, 1304 W. Broadway, St., Apt. C., Benton Steeleville Christopher D. Emery, 811 S. Carrie L. Fitzpatrick, 408 Chapter 13 Snider St., Christopher Charles W. Colboth, 801 S. Land, Keith A. Adams, 606 N. Line St., S. Pennsylvania, Apt. 2B, Harrisburg David Wayne and Jean Ann Carterville Creal Springs Wheatley, 7134 Greens Market Kevin E. and Toeaso P. Wilkerson, Mandy L. Schaeffer, 7591 E. Megan M. Sperry, 18920 U.S. Road, Du Quoin 314 N. Mcdyby, Buckner Meadows Road, Dix Highway 51, Dongola Brandon Winslowe Scrivner, 1309 James Michael Swann, 11938 Old Erin N. Brown, 1704 W. Copeland, Donald Neal and Jamie D. Frankfort Road, Marion St., Marion Forest Ave., Mount Vernon Nichols, 17525 N. Old Salem Gregory Q. Hamilton, 130 S. Gary Lynn and Linda Joyce James Lee Parino, 4051 River Lane, Mount Vernon Peach, Du Quoin Bramlet, 180 Haley Drive, Apt. Road, Royalton David E. and Carol Nannette 39, Carmi William G. and Tiffany D. Joshua Michael and Alexandria Brooks, 510 S. Main St., Browning, 111 Lexington Ave., Timothy Lee and Elizabeth Jean M. Lowe, 241 Grant St., Mount Harrisburg Carmi Curtis, 150 N. Fifth St., Albion Vernon Lester L. and Brenda F. Cutchall, Daisy Francis and Nicholas Terrell Karen Ann Emmerich, 3103 Park Tina M. Pitchers, 1014 Gent Ave., 824 N. Fifth St., Carmi Place West, Cairo Johnston City Kimble, 316 W. Main St., Du John W. Rush, P.O. Box 37, Deanna L. Wright, 502 Judi Lane, Janet C. Rice, 411 S. Third St., Quoin Broughton Steeleville Carmi Sarah Beth Elms, P.O. Box 292, Cache S. Reese, 2042 Dillinger Charles S. and Carrie A. Williams Kathryn Yvonne Prusacki, 339 W. Cypress Road, Carbondale Jr., 915 Monroe, Johnston City Second North St., Tamaroa Jason B. and Allisha N. Banks, Eric M. Sparks, 1006 Rodd St., Michael T. Williams, 307 SW Sixth Terri L. Hatley, P.O. Box 441, Tilden 1770 Telephone Road, Galatia Colin J. Campbell, 604 E. Park St., St., Fairfield David M. and Jessica Lynn Onyett, Carterville No. 1, Carbondale Joshua E. Foley, 1090 County Anthony E. Szeszol, 1131 W. Main 1024 N. Plum, Mount Carmel Randy P. and Nicole D. Foss, 3480 St., Illinois 14 West, Benton Monty Ray and Mitzi Lucille Long, Road 555 E, Wayne City Tunnell Hill Road, Tunnell Hill Tawna J. Morehead, 4162 Willow Ronica Renae Belford, 1301 S. 410 N. Second St., Albion Gerry L. Mitchell, 9270 E. Sienna Springs, Mount Vernon Roosevelt St., Harrisburg Frank D. and Carolyn S. White, P.O. Road, Waltonville Douglas Eugene Gregge, 511 W. Pamela J. Furlong, 803 E. Poplar, Box 232, Elkville David Heath Menefee, 4531 New Helen, Christopher West Frankfort Beth A. and William E. McClure, Church Road, Pinckneyville Mindy K. Parrish, 314B Fourth Gregory W. and Karen L. Jones, 401 Orange St., Freeman Spur Patricia Gaston, P.O. Box 43, St., Ina 1305 S. Buchanan. Marion Dakota James Payne, 1006 Tamms Joseph L. and Shauna L. Talbert, Hamid Pooriye Vali, P.O. Box 82, Murray St., Eldorado P.O. Box 282, Coulterville Carterville Aaron C. Runge, 1722 Clore St., Natalie C. Thomas, P.O. Box 842, Chester Janetta L. Essex, 203 Servant St., Professional Home Development Cairo Apt. C, Chester Inc., P.O. Box 82, Carterville Adam Steven Johnson, P.O. Box William K. Smith, 28 E. State St., 76, Joppa Sydney J. Green, 251 Illinois 37, John D. and Stpheanie D. Reed, Chester 629 W. Sixth St., Mount Carmel Michael E. and Vicki L. Hibdon, Ina Margo Anne Parks, 1649 Grassy Anna C. Green, 42 W. Crownview, Jeremy L. Fenton, 6805 Kris 0122 Easter Road, Grand Chain Road, Makanda Kevin R. Bailey, 306 Maple, Zeigler Williamson County Nathan L. Cowan, P.O. Box 643, Regional Airport to Herrin Lambert International Why drive? Instead, connect on a fast E. Marie Vincelette, 403 N. and easy flight from Marion to St. Louis. * Madison St., West Frankfort Kenneth Wayne and Jaime Lee from Elzy, P.O. Box 281, Mount Vernon each way Williamson County Mark A. and Nancy S. Pederson, including all taxes and fees Regional Airport 505 Walnut St., Zeigler John A. and Regina D. Parker, 616 S. Park Ave., Herrin Kenneth R. Bowlby, 109 Solomon St., Christopher

Bankruptcies

Enjoy the ride.

capeair.com

Southern Business Journal June 2016 Page 11

800-CAPE-AIR

*Fares are subject to availability and other conditions. Fares may change without notice, and are not guaranteed until ticketed.

Southern Business Journal

June 2016

Make your vision a

reality Large and small business solutions

• Business loans • Business credit cards • Deposit accounts

• Checking accounts • Merchant payment solutions • And, much more

Angela Williams-Barke

AVP of Commercial Lending & Business Services Find out more

618-549-8631

angela.williams@siucu.org

We’re working for you. Membership required. All loans subject to credit approval. Federally insured by NCUA. Call 800-449-7301 or 618-457-3595 for more information.