Those two factors will not repeat in the second quarter. However, the carry-through of higher aluminum prices with the lag will carry through.

We're working on them all simultaneously to see which ones we can bring forward first, and it's too early to say how those different options would progress.

The economies around the world have been slightly stronger than we anticipated.

Over the past five months, I have worked closely with Travis and my colleagues in ensuring a smooth leadership transition.

As a result of a rising interest rate environment — which is a positive for a bank like Frost with an asset-sensitive balance sheet — net interest margin for the year rose again to 4.45 percent, the highest level since 2002. Loans ended the year at $6.1 billion, reaching their highest level ever, and deposits rose to $9.1 billion, also a record.

They lost all their appeal.