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Message from the Chairman

Since a group of local friends, fellow church members, and investors opened the Bank of Bartlett in 1980, and Bartlett Mortgage, Inc. in 1983, we have been focused upon being a good corporate citizen.

Bank of Bartlett has directly supported the University of Memphis, LeMoyne-Owen College, Shelby County Schools, the Memphis City Schools, and other key educational institutions. In addition, we have directly supported Youth Villages, Inc., Habitat for Humanity, the American Heart Association, the American Cancer Society, and a wide array of other charitable and civic causes.

Bank of Bartlett has encouraged its executive corps and employees to give their time, energy and treasure to support these causes. In fact, we give "care hours" credit to employees working for these causes, and that credit enables them to receive additional time off from work.

We have sought to "do well" by "doing good." In return, we have gained respect and loyalty from a variety of great causes, institutions, and fellow citizens...and an opportunity to serve their
financial needs.

As we have served those needs, we have grown to become the 6th largest bank in the Memphis market, and the 17th largest bank in Tennessee as well as the 5th largest mortgage company. We also offer investment products and advice through our PrimeVest brokerage and travel services through Bartlett Travel, Inc. All these services are available through our branch distribution network of seven locations, and our exceptional Internet banking product.

Add all that to our commitment to providing warm and receptive customer service with convenient hours (including Saturdays), and one can understand not only why we're excited about how far we've come, but also why we are really excited about where we're going.

We've financed over 25,000 homes, over 100 churches, and countless numbers of business startups and expansions. We've been the bank of choice for over 13,000 family accounts, and that number continues to grow.

Growing stronger, better, and in tune with the needs of our customers. That's why we're here, and we look forward to working with you.


Robert C. Byrd
Chairman of the Board

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