The future holds many more milestones for us, but we're happy to count each success story one partner at a time.

Solid financial results and excellent prospects for future success enable us to continue our long history of consistent dividend payments for our shareholders. We continue to achieve success in our core business activities especially the growth in loans, which becomes the foundation for our future earnings prospects and provides the capability to provide dividend increases such as we're announcing today.

The public may be willing to forgive us for mistakes in judgment but it will not forgive us for mistakes in motive.

If you want to make it,you can

We knew this was a future-building year, and to have the success we've had is really a bonus.

We certainly wish both Brett and Digby every success for the future.