And I think you're drunk without the drinking. You are missing the point about investing. I don't care about the previous quarters, yes the profit aren't great but they are still making a profit. I'm buying PBCT for future earnings, which I believe the stock will appreciate as the economy improves. This bank in 2007 used to be a $40 stock and right now you can buy it at $12.00 the stock has already been heavily discounted. If you think the bank will fail then short it as much as you want!