unlike other chicago-area banks, our heritage traces the advancement and evolution of the banking industry and the growth and expansion of the chicago metropolitan area. the same local spirit that sparked that original group of early settlers to invest in and finance their town’s growth helped guide us as old second expanded throughout kane, kendall, dekalb, dupage, cook, lasalle and will counties and the surrounding communities. in addition to their commitment to community, our founders’ fiscal discipline remains among our bank’s guiding principles. backed by an unwavering sense of financial responsibility, we’ve persevered through the most challenging and rewarding economic climates and historical events of the late-19th century, the entire 20th century and the early 21st century. our balance sheet remains solid, our credit rating remains strong and our dedication to building strong and lasting relationships with our customers remains unparalleled. since 1871, old second consistently