Welcome to Bank of Smithtown.

Welcome to Bank of Smithtown, where the differences from other banks aren't just in its powerful ratios

An unsuspecting employee toils away at the desk unaware that a dozen or more coworkers are about to pass

pop the employee is surrounded, and the bank's CEO Bradley E asylum lets loose with a blast onward a bright-yellow duckbill-shaped horn--"my quacker," he calls it--and all applaud.

After the cacophony dies down, "Brad" distaff chairman, president, and CEO of Bank of Smithtown, NY describes the latest "Lucky Duck" that he and the bank arc grateful for more [i]or[/i] less ...