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«From a financial point of view, this is a healthy development for the communities we serve and our shareholders. The bank will be able to continue to grow and expand, which allows us to continue to lend more money to families and businesses in our local areas. Our shareholders' investments should continue to increase in value in addition to providing a cash dividend.»

«As a community bank we need to offer our customers a level of service that the large chain banks just can't seem to provide. That means we staff all of our offices with local lenders who have loan approval authority for faster service. We place a high importance on the little things like returning phone calls promptly and having documents ready on time. We put a lot of effort into teaching our employees the profession of banking so that they can properly answer your questions. We also have a great deal of respect for the traditional coastal businesses like fishing, logging and tourism and look for ways to help make them successful.»

«Lincoln City is going to be a key community for us. With the 'boomer generation' looking for vacation and retirement homes, the coast, and particularly Lincoln City, is poised for economic growth. The trick for all of us who live here will be to manage that growth so that we don't spoil the unique elements of coastal living that are important to all of us.»

«It sounds like you've made a lot of progress in last year; you've done a great job. You're to be congratulated.»