I am not a business major, however a business plan - even the simplest - would most likely spell out business actions and expectations for five (5) years with a trend evident at around the three-year mark. The trend for PBCT is "down", yet there isn't ONE executive or BOD member who hasn't gained monetarily during this downturn, most have had tremendous returns on their gifted stocks according to SEC filings. This is while the investor has lost roughly 40% of his or her initial investment with NO expectation of making up that loss - even though dividends are being paid. Which by the way, is the return of IPO funds. If I hear one more poster claim they are "holding long...", I'll scream. To use an old adage - "Lead, follow or get the he!! out of the way."