First South Bancorp (fka FSBS)

[illegal_alias]

I take calculated risks, too, but this one has 3 strikes against it already. Generally, my criteria are: 1) troubled asset ratios of 100 or less with a trend towards decreasing that number; 2) improving financials with successively smaller losses if not profitable; and, 3) successively increasing Tier 1 capital ratios. Additionally, prefer fully-reporting companies over non-reporting. That is why BCAR is my favorite of the bunch. It's the most transparent.