Locally, the big fish eat the little fish, and then you have these huge whales out there. If the new bank is profitable, chances are it's being looked at.

They got a heck of a price. This is just an example of larger banks desiring to get into really attractive markets, and you have to pay a premium for that.

With his Houston franchise, he built in a market that wasn't hot going into it, but he could see it was going to become something.

Someone starts a bank in Dallas knowing that there are a number of buyers in the market. Most people don't start banks that they know won't sell.

You're not going to be a superman every time you go out onto the field.

When Coach (Augie) Garrido asked me if I could close if he needed me, I was fine with that. That outing had no effect on me today. My arm felt 100 percent. You're going to have a bad day every now and then.