For us, our deposits are just a function of our business cycle in Steamboat Springs. We've been here 18 months, but we've been on the Western Slope for 102 years.

Credit quality is a big issue -- safety and standards.

It certainly allows us to execute the business plan much more effectively and much more quickly.

We want the business people to know there are a lot of people like us, who are very worried about the negative impact of illegal immigration and who spend money at their business.

We've secured three pieces of relocated business from New Orleans that helped an otherwise slow first quarter and we'll be giving back nearly $1 million to the New Orleans hospitality relief program.

New Jersey has the dubious distinction of being one of the more difficult states in which to do business.