At Monarch, our mission is to build lasting relationships through exceptional service.We are a strong $1 billion community bank focused on relationship banking, mortgage lending, and private wealth management. Despite the most challenging years in banking history, Monarch Financial Holdings, Inc., the bank holding company for Monarch Bank, has posted above average and high performance returns since 2009. In 2013, we were ranked as one of the top 100 banks in the country by SNL Financial. Of the top 100 banks, 33 are publicly traded and we ranked #23 of that group. 2013 was our best year for total shareholder return and second best year for financial performance.