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As we all are being bombarded by comments, rumors, and reports relating to the Coronavirus, I want to take this opportunity to assure each and every one of you that the Management of the Bank is very aware of what is going on and feel we are prepared to maintain the operation of our bank and be a stable influence during this time when there is a tendency to panic. We do not want to minimize the threat, but we also feel that organizations such as ours need to maintain the status quo and not get caught up in emotional decisions that not only affect our employees, but our customers as well. We have addressed many crises in the past, such as various disease epidemics and the Y2K scare in the year 2000 and in all cases, we remained the same bank after the crisis as we were before. I certainly do not know what is going to come out of this crisis, but I can assure you Cedar Security Bank is prepared for whatever may happen. Duane R. Schieffer, President Cedar Security Bank
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