That's what I thought too. Loan loss's skewing the numbers. Loan growth is minimal, balance sheets are growing, because the stock market has fallen 15+% last quarter and there's flight to safety. Net interest margin getting better as cd's roll over to less than 1% No magic in this company. Just an oversized community bank. They don't even have the local bank advantage anymore!! Real community banks kick their a** with better community involvement and more agile advertising and product developement. In the Louisville market, in the 7 years they have been here, they have lost market share to 4, count them 4 local banks. One wasn't even in the Louisville Market 6 years ago, and they are close to overtaking BBT. (PBI) Pitiful!!!