Well a good quarter for these guys. A simple recap is as follow's.

Margins up, loan originations up, core deposits up.

Loan loss provisions adequate. very little in non conforming loans. Other businesses strong and stable.

Down side there is still high unemployment in the areas. OTTI hit of $2 million. If they did not decide to take the hit there they would of blown out earnings.

These should be some of the facts your looking for Carcio. I am a buyer and will make money in this name.