Our bank consistently exceeds all government regulatory standards for well capitalized banks by substantial margins and independent financial analysts continue to award the bank their highest ratings.
We have continued to experience strong growth during the past year. Assets increased 13.5% on deposit growth of 18.5%.
With the guidance of our Board of Directors, the officers and staff continue to work in pursuit of our goal of providing the highest quality products, service and convenience to our customers. Core customer relationships continue to grow and the bank remains an active source of financing for our communities.
The grand opening of the bank's sixth branch office in Shoemakersville took place on December 17, 2009. Many members of the Shoemakersville community and surrounding area are establishing new relationships with our bank. We are happy to report that results achieved to date are exceeding our expectations.
We take pride in providing quality and value to our customers in a challenging economic environment.
We thank you for your continued confidence and support.
Fleetwood Bank..."What you want your bank to be!" 
Richard L. Meares
President | 
Equal Housing Lender