Strategies for Success

Our primary strategy is to provide relationship-based financial services to small and mid-sized business owners, their employees and professionals.  The key elements of our strategy include:

• Maintain a high level of customer service. We believe that many of our competitors have emphasized retail banking and financial services for large companies, leaving the small and mid-sized business market underserved. This allows us to compete effectively by emphasizing customer service and establishing long-term customer relationships.

• Provide diversified products and services. We offer a wide variety of traditional and nontraditional financial products and services. Cross-selling products and services to our existing customers is an important initiative. We offer relationship pricing to those clients who purchase multiple products and services from us.

• Expand into high growth markets. We have grown successfully over the past several years and have expanded our primary market areas to include Minnesota and Arizona. The Phoenix market has been one of the fastest growing areas in the country in population and personal income for the past several years. Minneapolis also has a large growing population.

• Manage credit risk. We have a uniform set of credit standards that are designed to enable consistent credit risk throughout our organization. We centrally administer our loan policies. We have been able to maintain high asset quality by centrally monitoring loans and the loan review process while growing loans in existing markets and expanding into new markets.

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