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The Nature of Our Business

First National Bank has been in business since 1905, and is still home-owned and operated. Our corporate goal is to be the premier provider of targeted financial products and services in our marketplace by offering distinctive value, quality, convenience, dependability, security, and other benefits to our customers. Our products and services are designed to be market driven, cost competitive and prioritized to enhance our company's long term profitability. We will pursue sound growth while maintaining our asset quality, our capital strength, and superior rates of return on assets and equity.

Our Markets and Our Customers

Geographically, our marketplace is the central Midwest : In that market, we will provide products and services to a diversified base of financially responsible retail and commercial customers. Our customers and target prospects encompass: (1) a broad economic spectrum of retail customers where we can sell profitable financial services, and (2) middle market and community businesses and institutions where we can provide value added services. We will focus on the development of relationships with our customers that are long term and broad based in nature.

Our People

Our people are the most critical resource in fulfilling our corporate mission. We will recruit and retain people who are highly motivated, customer oriented, and share a vision of our common goals. We will provide a working environment that encourages personal development, equal opportunity, recognizes and compensates our people based upon performance, and promotes a sense of ownership and pride in FNB and in each person's work product. Our cultural environment will place a high priority on strong management at all levels with superior communication skills and a commitment to developing and implementing long range plans for the benefit of our customers, stockholders, and employees.

Our Community Role

We will invest in and contribute to the well-being of the communities we serve with our financial and personnel resources, recognizing that our own growth and prosperity depend upon the social and economical health of our marketplace. In our role as stewards of our customer's financial resources, we will conduct our business to strengthen the long term economy of our marketplace.

We are regulated by The Office of the Comptroller of the Currency (OCC). Their website is http://www.occ.treas.gov/

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First National Bank

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