National Bank and Trust Company was founded nearly 140 years ago on the understanding that we know the local needs of our community better than any other bank and that we can best fulfill the financial needs of our neighbors.
Although we have grown since our conception, our values and beliefs have remained consistent with that of our original founders. Our company values keep us connected to our customers, as well as create a financially strong bank.
As the financial foundation of the Bank, capital provides the base for allowing us to service deposits and fund loans. As a well capitalized bank, we are able to meet the needs of our customers, regardless of the state of the economy.
Maintaining credit quality requires adhering to loan underwriting guidelines for every loan we make. These guidelines ensure that our customers can afford their loans and minimize the Bank's risk. Following these guidelines makes certain that we are making the right decisions for our customers and for the Bank.
We are a true community bank and firmly believe in being active participants in our communities. We are committed to making our communities a better place to work and live through our contributions and old-fashioned hard work. Last year, employees throughout all of our branches generously donated over 6,000 hours of their time and talent to support local organizations, events and charitable causes.
Each of our customers are unique and by connecting with them we are able to uncover their individual goals and banking preferences. We use this information to make accurate and helpful recommendations that enable our customers to achieve financial success. The relationships we develop with our customers are ongoing, so as their needs change, we are there to help.
As technology continues to progress, the walls of our bank have become limitless. Now, customers can bank anywhere from the convenience of their Internet capable cell phone or computer. They also have access to over 40,000 surcharge-free ATMs worldwide and 22 full service locations. We make it easy for our customers to bank with us.