Like the rest of the economy, banks are feeling the effects of the recession, as well as the aftershocks of the terrorist attacks on America in September,
In short, what we seem to be seeing is a state banking system that is increasing in relative numbers and decreasing in relative size, ... Going forward, there is every indication the relative decline in the assets of state banks will continue.
Banks are part of the community. They understand the needs of consumers, and they deal in good faith, promoting goodwill.