How come you don't focus on Tier 1 capital ratios and the ratio between shareholder equity and non-performing loans plus REO? These are the things bank regulators and the FDIC care about. The Tier 1 ratio is approaching a seizure level for FDIC. That bad loans plus forclosed property is 3X equity indicates that the shareholders are wiped out. Stick a fork in it, this bank is roadkill.