Maybe I can help. The management of this Bank, including the Board, is incompetent as evidenced by it's poor operating performance in terms of integrating acquisitions (Madison), earnings and stock price. Today, banking is a sophisticated business that requires a solid understanding of niche markets and expense control. To now give this guy and others an increase after reducing their comp to improve operating performance and supposedly send the "right" message is a travesty and a slap in the face to the loyal employees who work for VIST and own this stock in their 401K's. No wonder people get fed-up with today's financial institutions and the blatant disconnect between executive comp and performance.