Very interesting! I see you're from NY, I live in FFNW region. I've banked with FFNW all my life and recently pulled most of my accounts in favor of WFC This bank is going in the wrong direction in my opinion. They purchased Executive House (a mortgage co) just prior to going public. I believe this is and will be their downfall. The 5 big builder accts are likely going to add to the non performing loan column in the coming Q's. I hear also, from a reliable source, that a highly placed individual is leaving the bank. Hmmm and too young to retire?