Active FDIC status, Kalamazoo Banks:1st Source Bank Chemical Bank Comerica Bank Fifth Third Bank First National Bank of Michigan Flagstar Bank, FSB JPMorgan Chase Bank, National Association Mercantile Bank of Michigan Old National Bank PNC Bank, National Association The Huntington National Bank Add for Battle Creek: Southern Michigan Bank & Trust Add for Grand Rapids: Bank of America, National Association Evolve Bank & Trust First Community Bank First National Bank of America Independent Bank Macatawa Bank Northpointe Bank The Northern Trust Company United Bank of Michigan Wells Fargo Bank, National Association West Michigan Community Bank Then you can pick the banks that only operate in Michigan, since that's the best place to start:Macatawa Bank (FDIC # 34618) Flagstar Bank, FSB (FDIC # 32541) First National Bank of Michigan (FDIC # 58259) Mercantile Bank of Michigan (FDIC # 34598) inst.all RE loans% RE of total loans34618798426 64%32541754907475% *5825926962978% -34598165928769% -(Dollar figures in thousands)  * = high in 1-4 family residential, - = low in 1-4 family residentialTo do yourself, go to the fdic.gov site, then BANK DATA & STATISTICS, then Bank Find. https://research.fdic.gov/bankfind/Go to the Details and Financials to get their Assets and Liabilities report for the latest quarter, and Net Loans and Leases to get ratios of 1-4 family to total loans.

Terry, I think you are right in that our government is evolving into something different.

The Internet just evolved from the first developed packet-switched network, which was originally run by the Dept of Defense (ARPANET).

The people that he killed were all people who he felt like posed a threat to his government and thus the safety of the Iraqi people of that time, which by the standard that is evolving here would be warranted to protect this nation.

The city is evolving and has a more diversified employment base than it once had, but that doesn't make for good soundbytes.

I am beginning marketing after the holidays and will be focused primarily on digital marketing.That is my background for the past 20+ years so I want to try a few different avenues.Although direct mail works, it's an antiquated business model that I believe is evolving.

Websites are always evolving with best practices, and fact is sometimes things break.

I think you have to look at how real estate has evolved to find the answer.Pre-Internet, buyers had little idea what was for sale unless they went to a real estate agent.

While it remains to be seen exactly how market conditions will evolve, one can safely assume we will not experience 2008-caliber market mayhem.

The American dream is evolving and the private sector is pushing governments outside of their comfort zones.