Over the past eleven years our business has grown and become more complex along the way. Hometown bank has become what I call relationship banking. For one, building a relationship with your bank means establishing a trust on both ends. Hometown Bank trusts us to meet our financial obligations, and we trust them to meet our financial needs. The stronger the bond of trust, the more financially beneficial that relationship becomes for both parties. It has been very beneficial to us having one bank with our financial status and history, which has been extremely helpful when it comes to planning for the future. We are looking forward to continuing this relationship in the future.