no need to take my word for it anymore. Here is the transcript of the conference cal <a href="http://seekingalpha.com/article/170676-first-state-bancorporation-q3-2009-earnings-call-transcript?source=yahoo" rel="nofollow" target="_blank">http://seekingalpha.com/article/170676-first-state-bancorporation-q3-2009-earnings-call-transcript?source=yahoo</a>