Writing a Final Report to Shareholders

To Shareholders of Deep Pockets Bank:

We are pleased to inform our shareholders that we saw a dramatic increase in Deep Pockets Bank’s share price since the acquisition two years ago. In the first year, the share price grew from $245.11 to $405.81, earning investors a return of 65.57%. In the second year, our share price grew less dramatically to $561.50, yielding an annual return of 38.36%.

The decision to postpone the distribution of dividends was derived from the need to invest in the growth of the company. Gaining market share and stability was an important factor to the initial development of Deep Pockets Bank. Deep Pockets plans to distribute dividends when we are comfortable with our market position.

At acquisition, we noticed several opportunities for improvement. The strategic use of advertising was one factor that contributed to the success of Deep Pockets Bank. Additional advertising for retail and corporate demand deposits, mortgages and installment loans proved to be an effective use of funds. We reduced interest rates on costly liability accounts—IRAs, Retail CDs and Passbook Savings accounts. To draw in more loans, we lowered the interest rates on all the interest bearing assets, especially on mortgages, installment loans and fixed rate loans.

We will continue to keep the shareholders’ best interests at the core of our business model. We would like to thank you for your ongoing support of Deep Pockets Bank.

Sincerely,

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Deep Pockets Bank

Final Report

April 30, 2010

During the second year as management of Deep Pockets Bank, we have grown successfully. We have accomplished this by focusing on the production of revenue, the management of funds and the strategies of the competition. By consistently concentrating on these areas we have been able to lead our market and even influence other markets.

When comparing banks, it is often useful to look at an array of ratios to measure their performance. The most...