also received community banker of the year from american banker, a big national recognitioion. your colleague mercedes said it reflects on the entire bank. what does this say about eaglebank right now? >> i think mercedes is absolutely right. the people we associate with the -- of the people we have at thehe banks are so committed to what we have been able to accomplish. we need leadership which i and the board of directors provide but the 400 people who work for us help us accomplish what we have been able to. >> what are some of the things american bankers saw in your numbers that and pressed them? >> first, , we are only 14 years old, in excess of $3 billion and size -- but size is not everything because we are driven by income over balance sheet growth. we have had 15 quarters of consecutive record earnings. when you think about it, four years of record earnings in a very difficult economy. i think they see we are very much committed to the community. even though we are three-plus billion dollars in size the average loan is still only $1.2 million. i think they see we are r