People who are making us do additional work are liable for the cost. Rather than burdening the entire population with the work caused by a few, it makes a few accountable for the cost.

We need an area with a population of at least 2 million people to support one store. For many years, we were looking for a second Chicago-area location, and we're thrilled with the opportunity in Bolingbrook.

People can come in and work with us directly. We have been in this market and we will be in this market. We believe we are trusted advisors and people should be very careful in dealing with other lenders from outside the region who don't have the investment in the that local banks do.

Our population has never been so united in all segments. We must take hold of that and make something good of it.

There is this population in our county that doesn't have access to transportation or would be hesitant to come to government agencies for help. The Red Cross is trying to do outreach into these populations, and we're doing that through other agencies like the Latino Community Network so that we're not duplicating efforts.

In the late '90s, lots of other people had entered the business and it got crowded. As the new team came on board, we asked how do we compete differently in this marketplace?