| |
|
| Financial Highlights |
....4 |
| |
|
| Chairman’s Letter |
....6 |
| |
|
| Board of Directors |
....8 |
| |
|
| Community Banking |
....9 |
| |
|
| NorStates Bank Officers |
....12 |
| |
|
| A New Name...A Renewed Commitment |
....14 |
| |
|
| Selected Consolidated Financial
Data |
....16 |
| |
|
| Management’s Discussion and Analysis |
....17 |
| |
|
| Report of Independent Registered
Public Accounting Firm |
....39 |
| |
|
| Consolidated Financial Statements |
....40 |
| |
|
| Notes to the Consolidated Financial
Statements |
....44 |
| |
|
| Stockholder Information |
....61 |
| |
|
| Board of Directors and Officers |
....62 |
| |
|
