CIB Marine Bancshares Inc. (CIBH)

[XM ROCKS]

As we head into the last quarter of 2018 for this stock, it has shaped up to be a good year for shareholders. About 22 percent of the preferred shares have been repurchased. Book value has risen, money has been made. 2019 will continue to be a good year for shareholders in my opinion. Money is getting a little more expensive to borrow so hopefully we are on the right side of the trade on rates. People are making more, more people are unemployed, and the big banks are just that......big banks. I was in a branch the other day and was doing some personal business, I was happy to see what I saw regarding teller activity and marketing. Do not want to get into all the details, but very pleased to see what I saw as a shareholder........you don’t know what you CAN do if you don’t try! Definitely a great move on managements part. Keep up the good work!!!!! If last weeks share volume continues, we should be ramping up over two bucks by the middle of next year. Trades are unwinding and are getting into different hands now. People either are moving on, or loading up. I’m still in acquiring shares......with a P/E of about 2, who wouldn’t. Eventually the preferred shares will be repurchased and the true value of the commons will be realized.