We have an obligation to meet legitimate credit needs within the community as our capacity allows, and to support worthwhile community activities and organizations. As the owners of our organization, our shareholders represent the ultimate authority. It is essential that we provide a total return greater than that of our peers. Shareholders' value is maximized by serving our customers, employees, and communities to the best of our ability. In all we do, we must remember that all of our associates are working to achieve the same ultimate goals.
Teamwork is vital.
Consistency Our policies and procedures must be communicated clearly and thoroughly throughout the organization so that each and every employee understands. Continuity One of our traditional strengths has been the stability of personnel in our offices, allowing customers to develop confidence in their relationship with us. Their needs are being managed by someone they know. As we grow, we must remember this and not move employees unless it involves career advancement or important corporate needs. In all our delivery systems, we must strive for the highest level of efficiency without sacrificing service.