When was the last time a bank teller greeted you by name? When was the last time a bank president did? It happens here every day. Our customers truly do enjoy the kind of personal service other banks are always claiming they give. Because here, customers aren't simply customers. Most of the time, they're also friends and neighbors, many of whom have been banking with us since the day we opened our doors, nearly twenty years ago.

Here at Malaga, we offer everyone who walks through our doors much more than a transaction. We offer them an experience. One that's become increasingly rare in this world of mega-banks whose corporate offices are several time zones away from the customers they serve. Here our customers enjoy surroundings that are elegant, without being superior. They enjoy the daily Starbucks® coffee, and, during the holidays, pies from Marie Callender's. They're happy to see tellers they've come to know and like. Familiar faces who embrace technology without ever forgetting that before you had a user name, you had a name.

These intangibles make the experience of banking with Malaga one that's very rare. And as you'll see from the strength of our financials, it's an experience that holds tremendous value, for our customers and our shareholders. As well as for everyone who knows that both financially, and personally, they deserve better.