With all the turmoil in the economy these days, it hardly seems the right time to be starting up a new bank, but that’s exactly the right time according to my brother… and the other founders of the newly formed Golden Pacific Bank. Look at it this way, “we have a clean balance sheet from which to start”, Roy tells me. Ok, makes good sense. And what do I know about banking anyway? The same could be said for launching a startup, I guess, but tell that to the VCs these days. Congrats Roy on the new venture. I look forward to visiting your first branch when it opens.