As the carnage continues in the U.S. and global banking industry, this bank's performance really shines. Mr. Kemper prudently stuck to banking basics, while so many others, especially the big boys, were succumbed by greed. Shareholders should be rewarded nicely in the future thanks to a conservative and very talented senior management team. And the employees who make this bank tickhave already been rewarded with job security and a sound pay system, which can't be said for most of the rest of the industry.