You can always get that three-point shot. We can get a better shot.

There's still plenty of winter left.

I think the market opportunity here is fantastic and the growth is just amazing.

We wanted our customer base to be owning our bank, and that's how it's worked out. I think in the long term, you're better off having a community bank owned by the community.

His business ventures have all been well-thought out. He's not just driving a car -- he's thinking about his future.