Mr. Bordelon: Home Bancorp is not quite 2 years old. We converted to stock actually October 2, 2008. The bank itself is 102 years old; we'll be celebrating that 102nd anniversary in July. Home Bank was a very traditional thrift institution that up until the early 1990s was primarily focused on one- to four-family loans and certificates of deposits, very traditional in nature. We started branching out at that particular point and tried to transition the balance sheet to resemble that of a commercial bank. For the most part, we felt as though there were numerous opportunities out there that allowed us, or I guess should I say, helped our board to decide to make the step to go public. And that obviously came in a very good time. Even though some people felt it would be very difficult to sell $90 million of stock in a declining financial environment, our shareholders showed their loyalty to this institution by easily making that IPO happen. And it couldn't have come in a better time from the standpoint that the economy was in really bad shape. It feels very comforting to have a significant amount of capital when the economy is going down. Home Bank is only in Louisiana, and we are along the I-10/I-12 corridor. That has proven to be, especially since the hurricanes of 2005, one of the strongest growth areas in the last decade, if not longer, in the state. We determined about six years ago the I-10/I-12 corridor was our target footprint for expansion. We are a small community commercial bank. We do a significant amount of commercial real estate. We do have some development loans; all those development loans are in our market areas, not outside. And for the most part, we concentrate on personal service to the small-business owners that the bigger banks typically support. That's our mainstay. We have a very strong following in both Lafayette, and we are developing that in Baton Rouge. And we hope to do that also with our newest acquisition on the north shore along I-12.
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