As the details in Louise’s Financial Feature report, we have just closed the books on a very good year. We often declare that our success is due to “keeping to our knitting”, focusing on the fundamentals of community banking by taking in deposits and making loans. We try to price both to create a margin that allows us to operate the bank and reward our shareholders for their investment. It sounds pretty simple.
Except, we are in the people business. Most days, it’s not about our products or pricing or delivery channels. It’s all about people; only about people. It’s about how we treat them and how we serve their needs. Anticipating those needs makes our work more unpredictable and challenging, but it’s also the thing that makes it more rewarding and enlightening.
We simply cannot be good in the people business unless we have good people. We have good people. It is their competence, commitment, compassion and passion that creates our success. I’m grateful to our employees for their work on behalf of our bank and for our customers and communities that fueled our growth and profitability in 2018. I appreciate the support and guidance provided by our Board of Directors. And, I give homage to the bankers who came before us. They taught us the fundamentals of community banking and mentored us. Their vision and leadership created opportunities for our success well into the future. I’m thankful for the opportunity to serve this bank, our communities and you. I enjoy hearing from our customers and community members, so please feel free to give me a call or stop by for a visit. It would be my pleasure to meet you.