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Letter from the President

Looking back on 2013, I am pleased to report that your community bank performed well and remains a solid, stable, and well-capitalized bank.  The slowly improving economy has benefited our clients and we all look forward to continued economic recovery.

Please review our 12/31/2013 Statement of Condition, and I also encourage you to visit www.fdic.gov for our complete 2013 financial report.

In 2014, we will be celebrating our 100th anniversary.  We were founded by six local businesspeople in 1914 who felt that a locally owned bank, with local decision making would be well received by the people living in the St. Croix Valley.

Today, we remain a true community owned bank and all decisions continue to be made locally.  Over the last 100 years, we are grateful to all of the families and businesses that have trusted us as their financial partner, and we are proud to have played a role in making this area a great place to live and work.  In addition to traditional banking services, we have expanded over the years to include a full service trust department, an insurance agency (Valley Agencies), and a non-deposit investment affiliate (Hanzlik Financial).

With bank offices in Bayport, Stillwater, Oak Park Heights, and Hudson, we are nearby to work with you, face-to-face, to get you immediate results.  For clients who prefer electronic banking, we have technology in place to fit your needs.

As we look to the next 100 years, we are well positioned to help you by providing solutions in all areas of your financial life: banking, investments, insurance, trusts and estates.  Please talk with us to explore the many ways we can expand our financial partnership with you.

Stop in, or call us to learn more, or if you have any questions.

Thank you very much for your continued business.


Sincerely,

Peter J. Clements
President/CEO
NMLS #783249