We nipped right there at it every week. This will help turn it around.

We're playing pretty good right now.

From here on in, we will be growing the loan book. That will again help all of the ratios as well as our earnings.

This is a free benefit to all members that will help generate new business. We?re very excited about this opportunity.

It will help retain workers that we have and hopefully attract new workers to the system.

As of right now the damage assessment is not complete. We are speaking with the league and we will make a plan as soon as we know the complete ramifications and all of our options.