In 2013, dividends are taxed at 43.8%. Wealthy HKBS shareholders don't really need the dividend. I would rather eliminate it and put the money to better use. Either repay a portion of SBLF or open another branch.
Warren Buffett is right ... dividends are so low class ... it's like you're begging for pennies or something ... like you're from Portsmouth! Please stop embarrassing us and just eliminate the dividend.