We wanted our customer base to be owning our bank, and that’s how it’s worked out. I think in the long term, you’re better off having a community bank owned by the community.

It wasn’t pretty, but it was a win. We didn’t handle the ball very well and we didn’t rebound very well. We played better in the fourth quarter and that was enough to win.

You can always get that three-point shot. We can get a better shot.

I think the market opportunity here is fantastic and the growth is just amazing.

There’s still plenty of winter left.

His business ventures have all been well-thought out. He’s not just driving a car — he’s thinking about his future.