I agree with your analysis. I was searching for banks that were/are reporting earnings and found this one. It has been beaten down much more severely than it deserves, but that was good for me as I got in yesterday at $8.95. I don't see much downside from here, especially with the support it found around $8.98. However, I'm not in for the long haul and will be selling if/when it pops to around $9.25.