joining us today chahairman and ceo john maxwell, and the bank president, bill ridenour. thank you r joining us. johnhn, let t me start with you. yoyou took off and had ge to europe and enjoyed some time with your family and three young boys. things were not looking as good in the banking indndustry. >> i asked myself at q question many times. when we came back, so o many bankers were o out there that waed to do this again. we looked at the market and said itas a perfectct time to start a communityy bank. it was security first bank and first opened u in 2006. we were growing but we could d not get o off the ground. we put t two t togetr and renamed it john marshall bank. it took off from ther >> you w were warning people do not expect th samee growth, that the fundamentals are not there this time e around. what do you think happenedo allow this bank is success in the rececession? >> when we went into the original bank and took over, wee were able to start with clean slate. we were able to go out intnto the marketplace with o our new capital and make loans to people. we kn