Heidi Heitkamp actually said...

"We have got to act sooner rather than later because we are losing the lending lines in these institutions."

"I think if we had a greater level of trust between the regulators and the regulated, I think that all of those things would answer the question."

"these concerns just add to the weight of overall concerns and I think are resulting in consolidation of our small community banks"

"All the talk that we have here is not going to amount to anything if we actually do not get results out of this process."