For thousands of years, the world has turned to both celebration and sober reflection at this time of year. We ponder the approaching long hours of darkness and cold associated with the winter solstice; we are awed by ancient stories of infant births and temple lamps; we are always deciding on the best way to give thanks, and we are constantly contemplating challenges and opportunities ahead. It is a time of refection in part because of all these contrasts. We at Howard Bank want to share our reflections with you - our customers, colleagues, and community members at this time of co-celebration.
We remain ever optimistic and hope that those who are feeling anxious about the changes that have occurred in the world, and that continue to occur, can themselves reflect on the tried and trues that transcend elections, interest rate uncertainty, stock market swings, and even civil wars.
We live in one of the most free, most open countries in the world and that freedom is, in the long term, worth our constant commitment. We, in Greater Baltimore, live in a region with higher than average education levels, higher than average wealth, higher than average growth, and lower than average unemployment- we are among the luckiest people in a world still filled with pockets of intolerance, poverty, malnutrition and illiteracy.
Each of us gets to participate in community life with many of our friends, family, and neighbors who have big enough hearts to appreciate that, while on average, we are blessed. There are significant inequities in freedom, wealth, education, and upward opportunity where each of us can do something – no matter how small- about that every day.
We thank you for always welcoming us into these communities we serve – for doing business with us, connecting us to others, making us aware of problems to be solved, and helping us solve them together.And we commit to continue to serve you – to help you make your dreams come true – as that is our purpose in life as your community bank. Mary Ann
Chairman, President and CEO
Howard Bank and Howard Bancorp