This year I have high expectations for myself because I nor anyone on my team has yet to see how good I really am. 'The sky is the limit,' as my coach Fred Harvey would say.

I don't see why I shouldn't. Each meet, I have to learn what I can do to run faster for the rest of the meets.

I expect us to battle it out with the result of me being on top.

Overall, trends look good and in line with expectations. We were pleasantly surprised to see expenses decline on a linked quarter basis. Also, it appears that deposit growth accelerated in the final month of the quarter.

That was one thing that we tried to keep her aware of, not paranoid, but aware that someone could be hiding out waiting for her very close to her door.

We have created a destination, and it has worked for us so far. This is not just a store for people to put their products in and walk away from.