From the desk of Don Vogel, FNB President: "Remarkably, year 2020 has been a successful year for the Bank. Certainly, the industry we are in, the type of bank we are, and the locations we serve influences that success. Community banks are essential and our customers look to us during uncertain times for guidance and stability. The people in our communities have not been spared during the pandemic, the elderly certainly, and all associated with education. Year 2021 brings optimism as we hear about vaccines, as well as questions regarding what aspects of our daily lives will, and will not be resuming anytime soon. Strive to be positive. We end with "Thanks". None of us have ever experienced an event such as this. We are grateful to our employees, our customers, and our communities for their commitment and support. Thank You." From all of us at Farmers National Bank We wish you a Happy, Healthy, and Prosperous New Year!