Actually, Fulton has done better than SUSQ. Fulton is only back to its 1992 lows, while SUSQ is back to its 1991 lows. Reuter thinks he is a good banker because he bought lots of bank assets - What is didn't realize is that buying assets at exorbitant prices destroys shareholder value -or maybe he did realize it because he and the BOD used that measurement as a basis for awarding cash bonuses. And why should he or the BOD care about shareholder value - They own so little stock and take their compensation in cash rather than buying stock in their own bank. They're not completely stupid - they know bad management when they see it. Despite their ineptitude, this bank will likely not go out of business but their bad decisions over the last several years have ensured that shareholder returns will be feeble for the foreseeable future and this management team has little incentive to aggressively take dramatic action.