“Since working with you, we’ve grown from $238 million to $368 million…a 54% increase, net income grew from $2.1 million to $4.1 million…a 95% increase, and earning assets grew from $213 million to $332 million—a 55% increase. Net interest margin increased from 3.90 to 4.32, and we’re operating with 1.25% or less past dues. We did this without growing staff. We now only target A+ credits like you taught us.”