If you have a strong loan-growth month, you can run an ad and generate money almost immediately.

We could generate $10 million or $15 million a week in just CD money. When we first started, they were 75 to 80 percent of our total deposits. Now, they are 20 percent.

They were an awesome team. They had a strong sweeper and a strong forward. We had Sam (Miller) marking their strong forward, and we did everything we could to keep them out of the goal.

A bank only lends you money when you do not need it.

Remember, interest paid to banks only comes back to you in the form of a billing receipt. Nothing else...

Every Cent Matters.