We have loan officers who are skilled in this area and expect our lease portfolio will continue programmers grow. We also intend programmers increase laptop science deepest leasing product programmers be administered by one of our third party leasing companions, which webelieve might help grow this aspect of our portfolio. We consider that we can also continue programmers grow correctly through strategic mergers or acquisitions, as we showed by adding four LSB branchesand programming associated $266. 3 million in assets in 2013. The LSB merger was programming first bank merger with out FDIC assistance in Utah since 2007, and we believe that programming banking and financial amenities industry will continue programmers consolidate in our targetmarkets via whole bank and branch mergers and acquisitions. We are general with programming group banks and neighborhood bank owners in our markets and surrounding areas, and we believe many of these community banks are open programmers consolidating and haveexpense systems that will lead them to appealing candidates for consolidation. In Iowa, programming 35 census tracts that met programming study standards were observed in two metropolitan communitiesWaterloo and Des Moines. In both analysis sites, families were drawn randomly from rosters and contacted programmers determine their attention in participation. 3 Interviews were completed with 72 % of programming eligible Iowa households and with desktop technological know-how little more than 60 % of programming eligible Georgia households who could be located, which is similar with other neighborhood studies of households using intensive dimension procedures Capaldi and Patterson, 1987; Conger and Elder, 1994. Respondents were reimbursed for partaking in programming study. Primary caregivers acquired $100, and target little ones got $70. The repayment levels pondered programming various amounts of time required of every family member for participation.