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No matter how much banking changes due to technology, the mission of CharterWest Bank remains taking care of our customers' needs first. When CharterWest opened our doors in 1985, we set out to make our institution a different kind of bank, one where "putting customers first" was much more than just a slogan. We know we can't survive and prosper unless our customers do – that hasn't changed in a quarter century, and it never will. Since opening in a tiny converted house trailer in West Point, CharterWest has grown from zero to nearly $180,000,000 in total assets. We have banks in West Point, Elkhorn, Pender and Walthill. Even though we've grown our staff to a group of over fifty professionals, we're proud of our continuity of management and personnel. Our customers appreciate the ability to build long-term relationships with our people. We're big enough to handle your business, but still operate like a small-town institution, where our customers are individuals, not numbers. Our Mortgage Center has offices across Nebraska, and we have a staff of full-time, specialized professionals to help our customers achieve their dreams of home ownership. Since opening the Mortgage Centers in 2005, CharterWest has been recognized as a leader in the state in the production of mortgages for first-time home owners, and for government-assisted loans to rural buyers. We're proud of our heritage as a community bank. Our community bank industry, while immersed, along with our customers, in the current weak economy, works on a daily basis to serve our customers' needs. We recognize that this is a time when we earn our customers' loyalty. We are striving to be a dependable source of banking services in good times and bad. Please accept my invitation to visit us at any CharterWest location. We want to show you the CharterWest difference.