Although the bank has good management. They needed tarp and look at their four markets, Mich, Calif, Fla, and Texas. Texas buy its self is not going to save this Bank from taking some major hits. This bank only a few years ago moved its corporate headquarters to Texas but this company is from Mich and the deposits, loans, branch locations are not going to make money for them unless there is a major turnaround in Mich.