2004 Annual Report > Great Lakes > Oakland Commerce Bank

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“What makes Oakland Commerce Bank strong is the loyalty and continuity of our employee base and the longevity of service by our board of directors.”

- Michael J. Devine, Chairman of the Board

Complementing our core business is residential mortgage lending, trust and investment services and the convenience of Internet banking products and services.

While the regional economy has been sluggish, we have the benefit of being located in Oakland County, which has the highest per capita household income in Michigan. As a result of the hard work of a professional and dedicated banking staff, the bank reported solid earnings in 2004.

At the same time, we have also strengthened our staff with the addition of experienced professionals to serve existing as well as new customers.

During 2004, we made the commitment to rededicate ourselves to the community. We are marketing our bank by sponsoring high-profile charitable events that benefit less fortunate families and children in southeastern Michigan. We plan to continue these activities as we expand our markets.

Oakland Commerce Bank’s employees and directors are proud. We have grown our bank during difficult times. Our veteran staff is committed to providing outstanding service for our commercial customers and, with the help of solid referrals from our board of directors, we are excited about our prospects for increased profitability in 2005 and for the rest of the decade.

James R. Kaye
President & CEO