Pentucket Bank was established when we received our Mutual Charter in March, 1891 and opened for business four hours a week at 35 Washington Street in Haverhill. Today, we still do not have stockholders to please or to pay dividends to. This allows us to provide a high level of personalized service to our customers and to provide stability and support to the communities we serve. Because we are not obligated to pay stockholders we can focus on our customers, the needs of our local communities and the long term development and growth of the bank and its customers. These are the major reasons why we are committed to remaining a mutual bank for many years to come. We have also been recognized for our strong business practices by Bauer Financial Inc. an independent bank rating firm. Bauer Financial has recognized Pentucket Bank as a superior 5 Star rated Bank for more than 20 consecutive years. Only 7% of the Nation's Banks can maintain this designation. Additionally, when you bank with Pentucket Bank you can be confident that all of your deposits are insured in full, even beyond the $250,000 insured by the FDIC. With the Depositors Insurance Fund (DIF), ALL of your deposits are insured in full.