Both good questions. They were certainly more conventional on 1st mortgages which helps. My only worry is the margins with this bank. How can you honestly still offer a 2.60% yielding Home Equity Line and stay in the black while paying out higher yields for deposits?

I am not a CPA, but seems to me the laws of profitability are being tested here. That is not there only source of income, but still shocks me. Most banks have put in a floor rate to protect themselves from this problem, yet they still advertise it agressively on their site???

They may be getting hurt from industry woes, but at $18 and change still a dangerous price point for many to get in.

I keep on my whatch list, but have not bought in yet.

Good Luck.