at independent bank (nasdaq: ibtx), we offer a wide range of relationship-driven commercial banking products and services tailored to meet the needs of businesses owners, professionals, community organizations, working families and individuals. we operate banking offices across texas, covering the dallas, waco, austin and houston metro areas. in 2014, our first full year as a public company, independent bank achieved record earnings and essentially doubled in size - to $4.1 billion in assets. awards and honors span fiscal performance, innovation, workplaces and culture. we are perennially recognized in dallas among the “best places to work.” clearly our success is hinged upon the strength of our talented workforce. independent bank has a long history of giving back. we strive to effect meaningful change through charitable grants, employee volunteer programs and matching donations. we hope to continue fueling economic development through job creation, and provide our employees with