Hank's Small Banks

[10 bagger]

Mike..

Thats the reason for my choices in areas that are considered dead.. I believe that mortages given in stable semi rural areas by small banks are good paper.. The growth will come from those that have to drive to save on thier mortage payments and as more do so the new area of commuters will develope industry that includes the new populous.. Being there before others including BOA and other chain banks is the key.. As to the percentage of mortages to the banks assets ,, in flat price semi rural areas mark downs are not a problem.. The best is if this area is repopulated by those driving miles to go to work rather than spending all thier money to make mortage payments.. Just a theroy...hank