May 26, 2022







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A N N U A L R E P O R T

Focused on Growth

  • Strong mortgage and home equity loan production
    • Strategically added mortgage sta in new market areas to increase volume
      • Expanded commercial lending sta to add equipment lending expertise and volume
        • Developed digital sales channel to expand geographic and demographic reach

T A B L E O F C O N T E N T S

  1. Message to Shareholders
  1. Financial Highlights
  2. Independent Auditors’ Report

Innovation and Technology

  • Renegotiated core contract to reduce cost and add digital capabilities
    • Increased security technology for…

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