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The Week's Best Quotes

The most memorable comments from American Banker stories of the previous week. Readers are encouraged to add their own observations in the Comments fields at the bottom of each slide.

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On why regulators should encourage lending to home builders: On why regulators should encourage lending to home builders: "If they looked at the loans on banks' books the last two years they'd see that the quality is as good as it's ever been. You shouldn't restrict growth based on what happened five or eight years ago."

- Rick Judson, vice chairman of the National Association of Home Builders.

Related Article: VantageSouth Sees Little Risk in Business Lending

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On the need to be disciplined while pursuing loan growth: On the need to be disciplined while pursuing loan growth: "We're simply not going to go back out of the frying pan into the fire in terms of taking on a bunch of higher-risk-profile types of credit."

- Kelly King, BB&T chairman and chief executive

Related Article: Regional Banks Have No Time to Celebrate as Risks Loom

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On what examiners expect from community banks' emergency-response plans: On what examiners expect from community banks' emergency-response plans: "Auditors want to know that you have sat down, looked at your systems and determined the risk levels. They want to make sure banks are engaged in the process on a monthly basis."

- Stan Anderson, IT manager at Inland Northwest Bank

Related Article: Small-Bank recovery Plans Draw Reg Focus

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On the Talmer Bank's decision to rebrand itself: On the Talmer Bank's decision to rebrand itself: "What is a Talmer? It was almost like we needed to put a mascot with it."

- David Provost, chairman and chief executive of Talmer Bank and Trust

Related Article: Why a N.J. Bank Would Take Jersey Out of Its Name
On what a new bank serving the Amish and Mennonite communities needs to do differently: On what a new bank serving the Amish and Mennonite communities needs to do differently: "They need to have a parking area for horses."

- Donald Kraybill, sociology professor at Elizabethtown College in Pennsylvania

Related Article: No Need for Mobile Banking Here, But Make Room for Horses

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On how succession problems can lead to mergers: On how succession problems can lead to mergers: "Acquisitions are often decided because of the fact that a capable, qualified leadership team can be expected to join. I think it is becoming an important part of M&A because there are so few capable leaders."

- Rod Taylor, president of the executive recruiting firm Taylor & Co.

Related Article: Does the CEO Resignation at BBCN Mean It Will Buy Hanmi?

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On regulators' desire for better documentation on consumer debt: On regulators' desire for better documentation on consumer debt: "You can't read the Amex consent order and come to any different conclusion than that … the safest and most conservative practice is to retain everything as long as the account is alive."

- Chris Willis, partner at Ballard Spahr

Related Article: Feds Eye Raising Debt Documentation Bar

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On whether community banks will be satisfied with the OCC's supervision: On whether community banks will be satisfied with the OCC's supervision: "Our goal is not to make them satisfied, but our goal is to take into account their legitimate concerns."

- Comptroller of the Currency Thomas Curry

Related Article: OCC's Curry on Big Bank Breakup, Basel and Preemption

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On how mortgage servicers will adjust to the Consumer Financial Protection Board's new rules: On how mortgage servicers will adjust to the Consumer Financial Protection Board's new rules: "You can't just turn on a lightswitch and expect this to run like clockwork. The regulations are so detailed that it takes a while to get these processes in place."

- Suzanne Garwood, Venable attorney

Related Article: Servicing Rules Could Force Institutions Out of the Business

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On becoming Fulton Financial's CEO shortly before the housing crisis began: On becoming Fulton Financial's CEO shortly before the housing crisis began: "I compare it to someone who always wanted to be a general and, once promoted, was sent immediately to the Russian front."

- former Fulton Financial chief executive Scott Smith

Related Article: Fulton Financial Scott Smith Returns form the Front

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The most memorable comments from American Banker stories of the previous week. Readers are encouraged to add their own observations in the Comments fields at the bottom of each slide.

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