We went through a very intentional transition The State of Banking that I liken to a relay race. " -Ron Geib of Harleysville Bank on his gradual retirement This and other tales of retirement start on page 68 Georgia 176 banking institutions $312.1 billion Total assets The Atlanta-Sandy Springs-Roswell area has the largest deposit market with $166.89 billion in deposits 1.1% Median ROA Commercial real estate has the highest loan concentration at 264.89% Source: FDIC Q1-18 statistics We stand behind your SBA loans. And the ICBA stands behind us. Quick stat 73% FDIC-insured community banks that reported higher earnings in Q1 2018 than in Q1 2017 Source: FDIC Common sense recommends SBA loans for growing earnings and building strong business relationships. And the ICBA recommends just one provider to make the process hassle-free: Holtmeyer & Monson. Highly qualifi ed, our insider knowledge saves you additional staffi ng or overhead. Highly lucrative, our services take you from packaging to securitization and sale in the secondary market. All of which is why we come highly recommended by the ICBA, SBA personnel, clients and borrowers, too. Call today. 800.340.7304 www.holtandmon.comhttp://www.holtandmon.com