Given the unprecedented period of financial difficulty we as a country and banking community find ourselves in, I would like to reassure you that your bank is strong. At Carroll Bank & Trust, we continue to run our bank with conservative management principles. These principles include and are not limited to the following:

1. Utilizing reasonable & prudent underwriting standards
2. Maintaining a strong capital position
3. Having sufficient liquidity
4. Implementing risk management standards and oversight
5. Employing capable, honest people
6. Working closely with our auditors and regulators to assure compliance with rules and regulations

We, at Carroll Bank & Trust, are very proud of our relationship with our customers and strive to deliver competitive products and services. We remain ready to meet with you and help you to achieve your financial goals and objectives. Carroll Bank & Trust remains your locally owned, community focused financial institution. Thank you for your continued confidence in us.