Dear friends and supporters,

As our nation continues its slow recovery, new opportunities for economic development are emerging. It’s more important than ever to make sure that these opportunities are available to everyone.

Access to economic opportunity means access to capital. So, loan by loan, we are focusing on getting money into all the communities we serve. Our investments may be substantial, but they are small next to their results: giving people the chance to build a future for themselves, their families and their communities.

Homeownership is still the primary way families build wealth and economic security. Small businesses are still the nation’s top source of new jobs. Responsible real estate development is still a powerful way to bring economic activity to neighborhoods that need it.

We are committed to investing in communities. But we can’t do it alone, and we are grateful for your partnership and support. Thank you for standing with us, and for supporting a recovery that includes everyone.


Martin D. Eakes
Chief Executive Officer

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