To our Shareholders, Customers and Friends:
Service is the heart of what has made The Citizens Bank a profitable investment and a valued resource to its community. In 2002, service became even more crucial as Americans watched Wall Street's very public troubles infect the economy. Like much of the country, our market saw layoffs and cutbacks. Our customers have sought us, the people they trust the most, to serve them well. The relationships and services offered by The Citizens Bank have more appeal now than ever before.
The Citizens Bank continues to be a strong financial force in its community. For the past 45 years we have paid a dividened to our shareholders and, unlike many of our competitors, we have regularly increased that dividend. For more information on our financial performance, please see our annual report available on this web site.
Each year marks a renewal in the commitment of The Citizens Bank to serve our customers. This years excitement includes a brand, new state of the art building to better serve our Athens customers. In conjuction with our Wal*mart Athens Superstore branch we will continue to serve our the Athens community with the financing of new homes, businesses and oppurtunities to save for their future.
We listen carefully to what our customer have to say. We continue to be inspired by our loyal customers and the hard work of our employees. We thank our directors who help guide our course through this new economic environment. We are excited about our future and look forward to the continued support and friendship of our customers.
Please explore the rest of the website at your leisure. If you have questions, comments or concerns please feel free to let us know.
Sincerely,
Bryan Starner, President & CEO
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