Beware of these guys. The post nothing but misleading information to promote fear. Today is the last trading day of the year and the shorts like djlresearch, realmoney & republicanable will post misleading information to promote fear?IBCP is well capitalized and loaded with cash. In fact the bank has over 100 million in cash than the norm for the bank. All banks are doing this that can.The U of M has stated that foreclosures are expected to decline 36% in 2010.Employers have stated that jobs will be added in 2010.Many experts in many fields dealing with anything to do with the housing market have stated that 2010 will be a good year for housing.Many indications are pointing to IBCP not only surviving the housing slump but will end up making money.The worse is behind us now.Happy investing in 2010.