2004 Annual Report > Great Lakes > Capitol National Bank

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Director Richard Henderson, a well-known and respected CPA and business consultant, has been key to our loan growth accomplishments. During 2004, he played a major role in our performance by referring a number of new prospects and assisting management in cultivating many solid banking relationships.

Our core deposit achievements have been accomplished with the contributions of our Business Development Committee, chaired by director Kevin Kelly and coordinated by Ronda Thompson, vice president of business development and retail banking. We held several networking forums that were well received and attended by our customers and prospects with more planned in the coming months. This year, we are covering health care topics, which fit nicely with our recent launch of Health Savings Accounts.

We have completed the renovation of our main office under the supervision of Lori Garcia, vice president and senior operations officer. We appreciate our new facilities and know they will facilitate our future growth and operating strategies. This investment is a testament to our commitment to provide superior financial services to greater Lansing for years to come.

Our strategy is to maximize the strengths of management, staff and directors to continue to build a high performing community bank in which we can all take great pride.

We are excited about the prospects for a successful 2005 and our ability to continually expand our market share by building lasting banking relationships consistent with our long-term business plan.

John C. Smythe
President & CEO