As President of First National Bank of Henning, Ottertail and Battle Lake, I've learned the importance of a strong staff. First National's staff possesses the strength, knowledge, and desire demanded to meet our customers' and communities' needs. I believe a key ingredient to our recipe for success over the years has been our commitment to our staff, customers and the communities we serve. This comes from listening to our customers and our willingness to change to meet the needs of our customers.

As a community banker, operating in today's marketplace has become more challenging. Economic conditions over the past few years have resulted in many changes at FNB. We've continually searched for ways to be more efficient, which is more important now than ever. Our effectiveness in processing our customer and communities needs is a key element to ensuring continued success.

I am proud and excited to present to you our new website! We've worked long and hard to bring you a better online experience. You can now apply to open an account online, apply for a consumer loan or real estate loan online. This is just an example of our commitment to continue to deliver you products and services that make banking easier for you.

I'm tremendously proud of our communities. In a world that doesn't always value the things that are important, our communities have continued to thrive! We understand the importance of collaborating resources and putting in hard work to help keep our communities vibrant!

I have never been more excited or optimistic about the future of banking. All of us from FNB want to thank all of you for allowing us to be of service to you!