annual report 2004 oriental financial group to your way the success table of contents a message stockholders 2 building relationships 7 new mark in banking 11 innovative wealth management & asset protection services 16 growth 20 s role community 22 board directors 24 executive team 26 officers 28 selected data 29 discussion analysis 30 independent auditors 54 notes statements 59 general information 84 our mission on eve its 40th anniversary year celebrates much more than passage time fiscal 2005 will era for as institution excellence that primarily serves professionals small businesses mid sized enterprises and individuals who are striving build protect going forward is continue integrate solutions most efficient effective manner possible dedicated experienced finan cial relationship specialists seek uperior this growing segment market not short term but over lifetime was
