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We are a community-based, full-service commercial bank that emphasizes the banking needs of small to medium-sized businesses, professional entities, governmental agencies and individuals. We opened in January 2006 under the name Northern State Bank. We offer a broad range of consumer and commercial banking services to our customers. We offer high-quality service by providing more direct, personal attention than we believe is offered by competing financial institutions, most of which are branch offices of banks headquartered outside our primary trade area. We believe that this combination of quick, responsive and personal service, combined with state-of-the-art banking technology, provides our customers with a superior banking experience. We urge potential investors to read our 2015 Annual Report, and subsequent Shareholder Letters, for a review of our operations, by selecting the investor relations tab on this website. On July 22, 2010, we entered into a Recapitalization Agreement. The Recapitalization was consummated on December 14, 2010, and we raised approximately $18.3 million in additional capital. As part of the Recapitalization, we also relocated our headquarters to 105 River Avenue in Lakewood, while maintaining our original branch in Closter, New Jersey. We now serve Ocean, Monmouth, and Mercer Counties in New Jersey, as well as our original target market of Bergen County, New Jersey. We also restructured our Board of Directors, adding 11 new Board Members, while maintaining four members of the Bank?s original Board. With the Recapitalization in December 2010, Northern State Bank finished the year 2010 with $77.6 million in total assets and $21.6 million in total capital. Subsequently, the Bank formally changed its name to First Commerce Bank in June, 2011, with additional capital of $7.2 million being raised in January, 2012 and $11.0 million in August, 2013. In the 4th quarter, 2015, there was $2.9 million raised from the exercise of warrants previously granted to the Northern State Bank shareholders as well as the founding directors and founders of First Commerce Bank, in formation. As of June 30, 2016 total assets were $758.4 million and total capital was $63.8 million. Mission: First Commerce is dedicated to providing people, businesses, and communities in our markets with high quality products and services with superior customer services. We will provide products and services through secure, user-friendly technology and customer friendly locations. Our relationships are founded in our desire to be responsive to the financial needs of our customers in an atmosphere of personal attention, professionalism, trust, integrity and fairness. First Commerce prides itself on maintaining personal communications beginning with the Board of Directors.