Hi,

If you may recall I was in this stock for several years and used to post here once in awhile.
I was one of the lucky ones who got out of this stock before the big dump. Total luck and nothing else as I was raising cash to increase my fixed income percentage (50% since 2008).

How did the provident/MB merger affect them? Is the trust dept still lackluster. How is the NPL percentages affecting them-I recall they had fairly strict underwriting in their mortage dept...

any comments are much appreciated.