We are pleased with our continued progress in meeting strategic goals and continue to see good customer flows across many business lines, ... It is clear, however, that the increasingly weak economic environment is making it difficult for our efforts to show up on the bottom line.

To date, despite our many successes in individual businesses, we have not made the degree of progress we would like toward realizing that potential, ... We've assembled the right parts, but after years of additions, our resulting structure is neither as efficient nor as effective as it needs to be.

a full range of banking products in every major financial center around the globe.

your only real goal is to make progress..

Doing nothing gets you nothing.

We were making significant progress to realize the goals set some 20 years ago for an arts center that promoted the region's cultural groups and served a diverse community.