Allan – glad to hear you had good experiences with the old Grossmont Bank. Many of the people stayed on with CBT after the conversion. I joined just after the conversion after graduating from USD. I have to say, we’ve been able to keep the community bank feel with approval for most deals right upstairs from our office in UTC. Higher commitments go just up the road to our Carmel Valley headquarters.

As for turnover, it’s been fairly low with us as far back as I can remember. We underwrote conservatively during the boom times thanks to solid credit admin guys, which has SAVED us during this downturn. You’ll see a lot more turnover at places where the writing is on the wall.