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Buenas yan Hafa Adai! I am pleased to present to you our 2011 Annual Report, assessing our performance last year and providing some insight into what we expect for 2012. The first thing you will notice about this year's Report is that it is different from anything we have done in the past. The reason is that, since August 15,2011, we have been operating as a bank holding company. Along with all the benefits of our reorganization, we have also taken on new reporting requirements. As a result, most of the content with which you have become familiar in previous Bank of Guam® annual reports is now replaced by BankGuam Holding Company's annual report to the Securities and Exchange Commission on Form 10-K. The new format includes all of the information that we provided before, as well as a substantial amount of addition detail to help you to more thoroughly understand our business and the value of your investment.
- Lourdes (Lou) A. Leon Guerrero
PRESIDENT & CHAIR OF THE BOARD