We are pleased to present the Bank's Annual Report. It affirms the financial strength and stability of Middlesex Savings Bank. It's also an opportunity to reaffirm all the things we believe make us unique. It's just this — that if we treat you well, you will reward us with your business; that we always offer fair value at a reasonable price; that we greet every single customer with warmth and respect; and perhaps most important of all, that we are out there in the community doing all we can to make the towns and cities we work in better places. It's our belief that if it's right for our customers, it's right for us.