You must be in mgmt @CRBC. I worked for them, left early in 07 when the stock was $26. Citizens bought out our good bank and we lost most of our clients. Very poor mgmt. here is the key. Don't give them points for giving up their salary increases, etc. when they continue to hire outsiders at millions of dollars day in and day out. Too may chiefs here!
You think management is good? Look at their history before Citizens - they have never worked at a bank that didn't end up getting sold to a well-run bank and most of senior management didn't come from a home office - they almost all came from a region of a bank. Bottom line - they don't know how to run a bank successfully!