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With strong loan and deposit growth, Detroit Commerce Bank marked its seventh anniversary in 2005 with our best performance ever. Additionally, we are proud that our bank received an "Outstanding" rating from the Federal Deposit Insurance Corporation in its Community Reinvestment Act review. This achievement means that our bank is meeting and exceeding the regulatory requirements to serve a large cross section of consumers, organizations and small businesses in our market.

We have increased our staff by adding five full-time employees. It is with the dedication of our existing and new banking professionals that we are able to meet and exceed our goals. More importantly, we are exceeding the expectations of our clients.

"The expansion and success of our business would not have been possible without the assistance of Detroit Commerce Bank. With this bank, I feel as though I have my own personal banker."

We are involved in many community events and volunteer activities. In 2005, we sponsored seminars and other programs to benefit residents and organizations throughout the community. In June, for instance, we presented financial seminars to more than 80 adults and children at a local church that is a client of the bank.

We welcomed three new directors in 2005, which further strengthens our board of directors and represents the diversity of our primary market and community.

We are extremely excited about our business prospects for the future, as we grow our business with a full complement of competitively priced products and services. We will continue to build upon our success by providing the highest level of personalized customer service.