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...I agree with Mr. Longhorn...15 cents is the intrinsic price which is the equivalent to an option with the same odds of a potential 10x-er...............I owned the stock originally at $2.40 p/s and I have five blocks at less than 6 cents p/s, avg....and several more at various prices....I am a prospective employee and board member, etc........which means nothing really..................
...is there even a remote chance of winning this suit........??????................only if the Judge feels that the OTS acted "arbitrarily and capriciously" which is a hurdle that is never reached..........................(I still believe a trial would bring out some EVIDENCE that the Judge could consider and would be favorable to UWBK - the OCC will settle before a trial)..........................all comments made herein are solely my personal opinion.........................
...Mr. Bowman accelerated the time frame for UWBK's submission of the CRP.........which only violated the spirit of the regulator's statutory handbook...............the OTS had every right to appoint a receiver for UWBK....................
...the bank's suit, therefore is FRIVOLOUS and the judge will rule in favor of the defendant............................the s/p will instantly drop to two pennies after the judge's ruling, appeal or not..............................why did we sue.......?????.......
...if BoBo conspired with First Citizens to seize control of UWBK without justification..........IF.........and only in the event that he did...........this is relevant to our suit...............IF and we repeat, IF, BoBo constructively informed a third party that he would seize control of UWBK and that the stock would drop precipitously.........and the 3rd party shorted UWBK and profited from BoBo's information........this is relevant to our suit....................we are not saying that this happened........................if something looks like a duck, walks like a duck and quacks like a duck and has DUCK pasted across its forehead.................it might not be a duck...............
...don't be surprised if BoBo looks over his shoulder looking for the.................PoPo.............................all comments made herein are solely my personal opinion and have no basis in fact...............................all parties are innocent until proven guilty in a court of law...................right, Larry......????????...............
...it appears as if Venable is First Citizens law firm and adviser...nothing sinister here but we know what bank bought UWBK, don't we........?????.....does not look good, regardless...
...will be fun watching BoBo SQUIRM...
...we want to know why the OTS seized our bank...
...treble, treble, sirs..........BIGTIME payback...
...the whole situation is beginning to look crystal CLEAR...
...better start 'splainin' Bo................gonna make a nice loving wife to some serial murderer................
...all comments made hereon are solely my personal opinion and we have no evidence whatsoever that BoBo did anything improper...
...OCC might try to sneak a settlement, pre-BOWMAN scandal news...
...this whole Bowman/Venable/First Citizens connection could seal our case for a reversal of the receivership and compensatory and punitive damages............equal to monster-sized dollars......
...and the creation of a legal precedence and consequences for the presidential elections = unlimited risk for the OCC - - which only inherited this mess from the keystone cop OTS..........
...John John never thought the OTS would be challenged..........
...done deal, IMO.....................note to Guy: make 'em did deep, sir................like fill the grand canyon with greenies to compensate us...............................and we get a new charter......................
...all comments made herein are based upon my personal opinions and have absolutely basis in fact...............1/2 hr. on this one, Larry...........................
...The John John action might make our case...I believe that it could.......this Venable/John Bowman/First Citizens relationship by itself could make our case............the legal aspects are key and of course a criminal indictment seals our claim..............times FOUR.......but we need evidence.........................we could easily win our case without the blatant Bowman/Venable/First Citizens connections................kinda looks good to me............
...all comments are only my opinion but having this strong blatant Bowman/Venable/First Citizens connection is OUTRAGEOUS...........it certainly looks like UWBK was seized for the purpose of handing First Citizens our bank.............for what looks like a kick-back...................IMO, Larry.................IMO.......
...FDIC employees are prohibited from trading any common stock after employment begins and from owning any bank stocks directly EVER..........
...the FDIC rules may or may not have applied to the OTS employees but I can say that the SEC is investigating the UWBK trading in 2010 and 2011....even relatives or associates of OTS/FDIC/First Citizens employees who had privileged information are at risk........no allegations, just observations regarding insider trading....the First Citizens connection is very troubling and could be illegal or unethical..................but the Judge will know about all of this.....................
...in my opinion, John John seized the bank after he saw that the CRP was viable and that the bank would become adequately capitalized and further, the CRP had a contingency for release from the C & D.............................
...just my opinion...........but Guy and our attorneys know a lot more than we do about this situation and they have not backed off one inch....................nor have I...............
...Hi everyone....GLTA.......
...and GO UWBKQ.......!!!!!!!
...wonderful opportunity to make some big money here.......
...wethinks John John is in some BIGTIME TRUB.........
...like a billion dollar PROB..............
...hugs and kisses...................
...STRUCTURED SETTLEMENT...
There once was a banker named Guy
Who had an empire on mile high
The jack-boot thugs stole all his loot
And even now don’t give a hoot
But a judge will soon return the pie
Dudes with 'tudes: THJABJ would never in a million years make a decision in our favor......far too consequential.........BUT.......she will direct the OCC to settle with Guy by requiring a new charter and a designated pool of capital - protected from BK hyenas and phenomenal for common shareholders................all IMO...........
...Guy wants to fight all the way to the end because he knows the whole story.............others, like me, know the technical aspects of an FDIC bank exam and the values assigned to substandard loans, reserve requirements and the mandatory procedures the FDIC requires before a seizure..................the OTS made a HUGE MISTAKE.............bottom line.................................
...all comments made herein are solely my personal opinion and I have absolutely no inside information other than the awareness of an SEC "review" of the the unusual short selling of UWBK common stock in late 2010................................
...GUY SAYS "NO SETTLEMENT"...
...WE SAY "100% ODDS OF SETTLEMENT"...
...EUGENE A. CERNIN SAYS HE WALKED ON THE MOON...
...WE SAY HE DID NOT WALK ON THE MOON...
...JIMMY PIERSALL WORE METS UNIFORM NUMBER 2 FOR ONE DAY ON 5-23-63...THEN SWITCHED TO NUMBER 34 FOR ANOTHER 1.5 MONTHS...
...genius attracts critics...
...OCC will settle, IMO...
...given the case that has progressed to a point that clearly makes the seizure look dubious........and we have the absolute best judge who could emotionally and legally lean towards the poor little bankers who were BULLIED BY GOV'T JACK-BOOT THUGS...
...we would respectfully suggest that we give the OCC a one-time only window to simply throw out a number..............ONE TIME, ONE OFFER...........................we state that in the event the OCC does not respond............................WAR.........
...and then we be talkin' about the $500-million+, the full SEC investigation of the UWBK insider trading, and the complete reversal of the receivership.......................let's go with the WAR approach...........................BIGTIME.........
...BTW, there's a party hamlet about 35 miles west of Boulder, straight up in the Rockies that I have frequented..............coolest party site around Denver........I'll set it up for the 9-1 soiree..............
...and all comments made herein are solely my personal opinions...................
_____LONGHORN CREDIT UNION_____
..."What's in a name? That which we call a rose
By any other name would smell as sweet."
...BK motions mean nothing...only primary assets are the tax refund that is contested, the BAC monies and THE CLAIM...FDIC is also asking that our BK attorneys be removed along with the contingency fee agreement...
...start talkin' OCC beagles................loud and clear......
...BOULDER 9-1-2012............................
...REGAL BANK...
...simply my suggestion for the new, to-be-charted bank nameplate created as a result of the former UWBK's settlement with the OCC...the commonality between UWBK and REGAL BANK would be most of the current shareholders in the UWBK holding company would become shareholders in the new bank...the shareholders might be directly transferred and sidestep the BK claims and the attorneys' fees...
...progressive thinking...dreaming maybe...but it's going to happen...
...I'm planning on the Boulderado party...................all comments made herein are solely my opinion.........
...mayhaps we meet in DENVER...
...I suggest the Boulderado Hotel in nearby Boulder...
...most appropriate...plan on weekend of Labor Day 9-1 to 9-3-2012...
...OCC better start talking soon - although we believe discussions are underway...all comments made herein are solely my personal opinions...
...rock on REGAL BANK...
...one phone call = a 40-cent SPIKE...
...we need the communications among the attorney groups to begin...and it will...there is absolutely no way the OCC will allow a decision by the judge in this case, IMO...none......the OCC has everything to lose monetarily and politically and the confusion with the ILLEGAL SEIZURE proves the bank should never have been ILLEGALLY SEIZED by an amateurish bunch of flunkies with no documented support required by the FDIC......
...the question becomes just how the OCC frames an offer...a new national bank charter in an urban area only requires $6MM and a plan for profit within 3 years along with solid management...although this would be an extreme starting point for the OCC, $6MM is spilled change given the potential consequences here...we're thinking something in the range of $40MM restricted to the bank.....................holding company creditors get nada and the shareholders get the full benefit of the settlement, IMO............
...Guy says no settlement and he wants the bank returned in the condition it was illegally seized.......NO SETTLEMENT......Guy knows some facts and we do not, like personality matters and other facts that pertain to the OTS/UWBK relationship which could be presented to the judge if and when pretrial hearings are set ...................
...all comments made herein are solely my personal opinion and I have absolutely no inside information whatsoever.........
...rock on REGAL BANK................
_____PEYTON W. MANNING_____
...Our choice for the 1st REGAL BANK BOARD SEAT...
...Latest speculation is a court-directed settlement/resolution that gives the prior owner of UWBK a new charter with essentially start-up capital...............$25-35 million....??????????.....
...just discussion with no real source...we would also get the $4.4MM tax refund and the Countrywdie/BAC monies of $16MM+/-...
...all comments herein are solely my personal opinion and I have absolutely no inside information...
...tracing big short sales is EZ...the SEC can pull the MM register and trading records on every short sale and take the sale back to each brokerage account and get bio data on every trade.........every trade...........the SEC then interviews the short - it's impossible to hide the identity of the short..........we, again are not suggesting anything illegal whatsoever...................................
...there were some jumbo short sales of UWBK in 2010.....we recall one that was like 430,000 shares shorted in September at about 50 cents p/s.............there were other large short sales late in 2010.....the last 10Q cited, in 3Q2010, I believe listed over 2-million shares short........nothing unusual..............unless the party selling short had inside information from either the OTS/FDIC/First Citizens that UWBK could be brought down by one man's decision......................BIG "IF"..........maybe nothing..........we'll see.............that's a billion dollar consequence.............
...the OCC and THABJ will never let this case reach any verdict because a court decision would establish a legal precedent for many new lawsuits and create a monster national negative political news story.....THE GOV'T ILLEGALLY SEIZED PRIVATE PROPERTY WITHOUT CAUSE..........AND THE SEIZURE WAS NOT SUBSTANTIATED.....................JACK-BOOT THUGS GONE AMOK ON INNOCENT HARD WORKING AMERICANS.........HOW MANY OTHER BANKS WERE ILLEGALLY SEIZED.....????????.......all comments made herein are solely my personal opinions and I have absolutely no inside information relative to UWBK...................
...WE'LL PREDICT A SETTLEMENT OF $125-MILLION RESTRICTED CAPITAL CONTRIBUTION TO A NEW BANK.......................this is tremendous for shareholders because the shareholders keep their stock from the BK creditors.....................$3.50 p/s...........IMO.......
_____REGAL BANK_____
...the more confusion and legal "he-said-she-said" created over the illegal seizure.......the bigger the decision by the OTS to NOT appoint a receiver until the CRP was allowed to proceed and the large depositors were NOT withdrawing one cent and agreed not to............
...about 90% of the info. in the AR has been outlined previously in the filings and again, the details on the back and forth communications PROVES THE BANK WAS ADEQUATELY CAPITALIZED and SHOULD NEVER HAVE BEEN EVEN REMOTELY CONSIDERED A SEIZURE CANDIDATE - - - based upon the FDIC rules that the OTS used repeatedly to defend its illegal act......
...the SEC is able to trace all short sales during 2010 and is collecting the profile data on the traders..............probably nothing here but a "smoking gun" in the form of an employee or family member of an employee of the OTS/FDIC/First Citizens heavily shorting UWBK = MONSTER SLAM......we would hope the Judge waits on the SEC investigation.........something SPOOKED JOHN JOHN into a panic to GRAB UWBK without giving the bank more time and it could have been a fear that UWBK would spike back into solid footing............................all comments made herein are solely my personal opinion and I have absolutely no inside information relative to UWBK............
...we continue to believe the court will direct the OCC and Guy to settle the dispute and in the event the parties cannot reach a settlement, the court will impose a resolution..................
no comment
...amount Guy will settle for...
...is all that matters...sorry for the reality check...
...no offense to the legal flunkies, wayward wonks and drama queens hereon but this entire UWBK situation is REAL WORLD HARDBALL involving hundreds of millions of dollars.......granted the legal process needed to staged..................but it's over...
...we're getting our bank back....get on the truck or get off................
...OCC won't risk court decision...
...we believe the OCC will initially offer $40-to-$50-million in restricted capital with a charter for a new bank. The settlement limits or conditions will be 15% tier one for 5 years, no issuance of cumulative preferred stock, FDIC oversight, etc...........and subject to BK court approvals given that the holding company is in BK......the OCC will pay legal fees although this issue could be built into a settlement...........
...Guy however, says f/you, we want $500-million in cash, a charter and no special restrictions on anything......
...the OCC comes back with $75-million, a charter and no restrictions, except for the standard ongoing bank FDIC guidelines.....................
...there it is, IMO...........unfortunately, the share price will only bounce up to about $1.50 +/- in the short run.......
...BTW, any indictment on insider trading, allegations of bribery or kickbacks or fraud........................monster settlement..................cool bil, IMO..................
...time frame, IMO..........any minute.........seriously.......
...1. Larry is my legal adviser...
...2. Johnny is Mr. John E. Bowman...
...3. our attorneys are aware of the SEC probe...
...4. I have multiple entities holding UWBKQ stock along with two other firms...
...nothing mysterious here except that WE are very, very knowledgeable about state and federal bank exams, bank capital requirements, FDIC Asset Quality Summaries, C & D operating guidelines and FDIC pre-receivership procedures.................beyond experts......
...the OTS did not follow FDIC guidelines before seizing UWBK and for some yet determined reason, accelerated the seizure after seeing that the CRP would lift the bank not only to an adequately-capitalized level.............but also would remove the C & D cloud....................none of that OCC legal defense gibberish means anything and doesn't match the weak explanation in the Administrative Record.....and the FDIC is hiding whatever opinion it gave the OTS which is even more suspicious......the OTS made a horrific mistake............
...WE will receive some form of compensation for this gross miscarriage of justice - probably a structured capital contribution and new charter contingent upon an acceptable bank management plan and bank policy draft......court monitored....
...all comments made herein are based solely on my personal opinions..............................
...let's wait on SEC investigation...
...no allegations, just standard procedure...
...in the event that there was unusual short selling of UWBK common stock during the months of Nov. and Dec., 2010 and Jan. of 2011............the identities of the significant short sellers is obtained...........again, nothing unusual UNLESS the short sellers were employees of the OTS, the FDIC or First Citizens..............
...any affiliation or association of the short selling with those entities WHAT-SO-EVER....................................cool BILLION, sirs..............................again absolutely no accusations, Larry.........................just standard INVESTIGATIONS............................................Oh, Johnny...................................any comment made hereon is solely my opinion.................................ROCK ON REGAL BANK.............................................sack tingler......................ONE F-ING BILLION.....................
...FOCUS: new bank policy draft...
...particularly the loan policy sub-section...
...we want strong emphasis on smaller business banking because it brings in a ton of peripheral retail business...
...of course we should have a huge wealth management division...
...Guy needs to get out in front of the settlement with a clear and deep plan for the new bank...
...we need a solid management team and a flat organizational chart business model...all employees must be projected to generate about 4 times their cost.......this keeps the efficiency ratio down at 25% or below...
...there are numerous branch location possibilities around Denver - - some downtown and tons in the high-end burbs...
BUT GET THE POLICY DRAFT STARTED, GUY...........THERE ARE MODELS EVERYWHERE, EVEN FROM THE FRB/FDIC...................
_____REGAL BANK_____
...color schemes: dark maroon trimmed with gold flakes and lots of mahogany wood trim...initially two branches, expansion to four...
...business plan: cater to high net worth, top-tier businesses...
...employee preferences: certain sparkle at every level...
...first-class customer service...
...judgement could = restricted capital + charter...
...for example, a $180-million restricted capital contribution with a pre-approved charter would be a huge win for current shareholders but problematic for our attorneys, the BK creditors and any other bloodsucker...........................the attorneys would have to work out some type of add'l stock as compensation (assuming the representation agreement is upheld in BK court) which would be dilutional...........other creditors would have to settle or also work out something long-term............
...the stockholders, in this case, would be the WINNERS......BIGTIME.....we get a new billion dollar bank equivalent with a clean balance sheet...................
...estimated s/p should be in the $3- to $4 range...............
...this comment is solely my opinion and based upon a hypothetical theory with no factual basis and I have no inside information...
...OTS (not FDIC or OCC) slobs seized the bank without cause...
...re-writing the Magna Carta over 15 months on what might have happened between the OTS flunkies and the bank does not match one sentence in the Administrative Record..........nor does anything in this motion match up with the OTS response last June - - nothing...
...and hypotheticals on deposits DOES NOT JUSTIFY ILLEGALLY SEIZING THE BANK.......$700MM of that money was contained in IRA's - which the OTS acknowledged......buying Legend required the OTS approval ?????? - - the OTS was involved in this and there was no input by the OTS whatsoever and so what..............??????...............
...no worries.............this wordy, legalese double-talk only makes the OTS look like a bunch of mental midget BUFFOONS ala keystone cops trying to defend an ILLEGAL, UNSUBSTANTIATED ACTION THAT VIOLATED THE CONSTITUTION OF THE U.S. GOVERNMENT.........................and we would like to see the SEC review of the UWBK short trading in 4Q2010................
...bank on the settlement......................all comments made herein are solely my personal opinions.........................
...if THABJ asks the parties to settle...
...that's a BIGTIME win even with the BK wrangle...
...we believe Mr. Thomas J. Curry (new OCC chief) wants the OTS dirt settled anyway and has stated this publicly - even yesterday in the NYT...
...Guy will settle if the court gives the directive...he wants $500MM and a charter...the OCC tosses up $50MM cash only..............we compromise.......
...we contend that, in our opinion, the parties agree to settle for about $175MM, cash, with a charter.......................ultimate payola to shareholders is $75MM or $2.25 +/-...or hold long-term with the new bank.............all comments are IMO, Larry, and don't give me a $340/hr. scolding 'cause I don't G.A.D..........bank on the court-ordered settlement.................
...Mr. Gibson said NO SETTLEMENT...
...no comment from me here other than outlining Guy's statement which is a verifiable FACT...maybe Guy is just establishing a bargaining position but no settlement means no settlement...we strongly believe the case should be settled and could be today or tomorrow but if Guy wants a decision from the court - win or lose - we're in for another year or two of legal wrangling...............whatever........
...scary good motion...
...we want BuckleySandler to wait until the SEC has completed its review of the unusual UWBK short selling in 4Q2010...no accusations but we need to rule out any sinister dealing......just prudence, sirs...
...I've been advised not to post but I really do not give a hoot...
...we're close to the end and deep down I believe the OCC will toss up $150MM in some capital concoction that includes a charter........
...ANY COMMENT POSTED HEREON IS ENTIRELY MY PERSONAL OPINION AND I HAVE NO KNOWLEDGE WHATSOEVER OF ANY ACTIVITY PERTAINING TO UWBKQ THAT IS NOT OPEN AND PUBLIC.......................
...BAC money just got doubled...
...most of this will go to creditors because of the BK...
...SEC is tracing UWBK short selling in 4Q2010...
...Mr. Mesa: schedule the party in LV for 10-1-12.......$3.88 p/s...
...here is the story on the BAC money...
http://www.bloomberg.com/news/2012-06-06/new-york-delaware-can-intervene-in-bank-of-america-deal.html
...SEC form filed...
...the current trading, although irritating is perfectly legal...there is almost no float given that over 25MM shares are frozen and the MM is in heaven.........
...my only intention in posting today is to have the SEC and our attorneys double-check the short trading in UWBK during the months prior to the improper seizure...
...any and all statements made hereon are entirely IMO......
...Attorneys should review UWBK stock short sales and trading activity leading to the seizure...
...we will try to submit the SEC report form and see if the SEC will take this case for us...just to be thorough.......
...just standard legal due diligence...nothing more...
...any unusual trading in a short capacity by anyone related in any way to an OTS or FDIC employee would interest the court.........just a thought, not an accusation...............
...we'll win the case, hands down but more ammo improves the ultimate settlement......................and all comments hereon are IMO....................................
...OCC will settle...MY LAST POST......
...my legal adviser in Boulder told me yesterday not to be involved in any social media whatsoever re: UWBK..............
...best of luck to all...
...long live UWBK.......................................all posts hereon have always been completely IMO.....................
...the RISKS are clear...
...again, sirs, the bank is gone and we may lose this suit and the share price drops to 1 cent...............Mr. Mesa got back from a date with Lorena Bobbitt and now posts his gloom and doom......
...with this legal case - which is all it is...........THERE IS DOUBT AND UNCERTAINTY WITH REGARD TO THE BANK'S CAPITAL POSITION AND THE CRP, AND THE DUE DATE FOR THE CRP AND CONVERSATIONS BETWEEN THE OTS AND UWBK...........too much doubt for the OTS to seize the bank................and a possible hidden agenda the OTS had that has not yet been DISPROVED...........
...so we LOSE....?????......I have a big stake in this situation and I simply do not care if we lose EVERYTHING..........I'm a gambler...............................there are few opportunities in life to legally make 25-times your investment.......I'm in forever........................................so, sew it back on, Mr. Mesa and stand up for justice in AMERIKA..............
...incentive...????...$150MM (30% of $500MM)...
...no comment, except what's posted...draw your own conclusions...
...as stated, investing in UWBKQ is a 100% gamble on a court case.......although a settlement is still a possibility.....there's no mystery WHATSOEVER.....................very little of the OCC's SJ response is applicable to what happened........IMPRESSIVE LEGALESE BY THE OCC GRUNTS SCARED THE WEASELS ON THIS BOARD......none of the OCC rhetoric is relevant and only makes the OTS look more GUILTY...............
...tony and clarence will support us...if we need to go that far but we have the resources to go to the Supreme Court and per Guy, we will go all the way........
...all statements are IMO..................
...No compelling reason to seize UWBK...
...lay down the two motions side by side and there is extreme doubt as to WHY the OTS acted arbitrarily...........the OTS should have erred on the side of giving the bank time to improve its capital levels........the CRP was the CRP......
...there might be damning evidence in Mr. Bowman's behavior - there might have been a pre-seizure agreement by the OTS with First Citizens which clearly wanted a larger presence in Denver.......logic follows a corrupt action........
...regardless, nothing has changed except for the FACT that the amateurish OTS seized the bank without a foundation.........the OCC lawyers explanation was not in the Administrative Record and is meaningless.........................IF SOMEONE STOLE A CAR, GOT CAUGHT AND THEN DEFENDED THE ILLEGAL THEFT BY CRITICIZING THE CAR - - THE THIEF IS STILL GUILTY..............................
.....we'll win this................I'm more confident now that ever..............trust me.................all statements made herein are IMO..............Guy and his group of officers have never waivered for 1 second - nor have I.....................
...OCC points are all MUTE...
...these attorneys had 16 months to draft technical rhetoric that simply does not apply to UWBK prior to the illegal seizure....
...the Administrative Record prevails not some legalese communist manifesto created after the fact to defend a conspiratorial police action....
...as for the s/p, the market has already discounted the judge upholding the seizure given a $4MM market cap when we are getting $20MM in payments from the tax refund and BAC.......even with the attorney and other payouts shareholders will get $10MM......
....UWBK gets the last word and the facts are the bank was seized without warning - and the acceleration of the CRP time frame was a breach of law - any hint of the OTS having discussions with First Citizens prior to the illegal seizure will increase our damages 3-FOLD.....
.....I say 40 cents p/s this week and our case just got MUCH STRONGER..........................you wimps and fly-weights can take a hike..............................WE WILL GET THE CAPITAL TO START A NEW BANK AS A RESULT OF THE CORRUPT OTS TAKING PRIVATE PROPERTY WITHOUT CAUSE.............all statements herein are IMO..........
...BOTTOM LINE = Judge's decision...
...again, anything could happen but I still believe the acceleration of the time the OTS initially gave UWBK for the CRP has never been explained...................this has been my point all along.........why were those FDIC e-mails so sacred.....?????......given the OCC's response, it is obvious those emails from the FDIC to the OTS advised against a seizure.......all IMO.......
...the OTS also was not the FDIC - which would have been more thorough and would have given UWBK more time to complete the recap. plan.................imo......
...I am familiar with the hogwash the OCC lawyers wrote out and most of it was taken from the FDIC regulations handbook and a chunk of it is not logical re: bank loan valuations and reviews.........the Federal Reserve guidelines are that loans are marked to contract - not to market when the loans are current and rated higher than 6.......we expected the OCC response and I'll re-read the entire post but my opinion is that the bank was not weak enough to be SEIZED and had a CRP.....................those bundled - not brokered deposits were made by an institution that had worked with UWBK for ten plus years.........................WE WILL WIN........
...if we FAIL, I am very proud to go down with the ship and I have plenty of shares..........................