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Our bank's 15th anniversary in September featured a week long celebration for clients and guests. In addition to daily prize drawings and an open house, we ran a successful Certificate of Deposit special that generated $9 million in deposits from mostly new clients. We are proud of those relationships that have been built over time and we paid tribute to our longtime clients and investors during the anniversary celebration.

As an established community bank, we strive to be creative in customizing our product delivery and providing effective solutions to the financial needs of our clients. We are proud to be full partners with our community. Each spring, for example, we participate in and support the Holland Tulip Festival, which is one of the most popular community events in Michigan.

Employee camaraderie is also strong. During the first quarter, a group of employees formed teams to see who could lose the most weight over a 13-week period. This focus on fitness benefited each individual and the teamwork further enhanced employee morale.

We support the ministries at the Holland Rescue Mission by cooking and serving meals. Last summer, a group of 15 employees volunteered to help build five homes for Habitat for Humanity. In August, we also took part in America's Night Out Against Crime, which was an excellent opportunity to market our bank while standing tall in support of a strong community. In total, we provided financial support to 36 different organizations in our community.

Once again, our bank proudly reported 100 percent employee participation in the annual Greater Ottawa County United Way campaign. We helped kick off the campaign by fielding a team for the United Way Day of Caring in September.

We have bolstered our team with dedicated professionals and we now aim to capitalize on our good community image by focusing on growth.