Hank's Small Banks

[10 bagger]

WIBC..

I just took a quick look at it and I would not short.. The Efficency ratio is low and the return on assets and return on equity is very high.. The fed fees imposed in the first qtr may also be a large reason for the down qtr.. WIBC also it sells close to book and has customers that save a large portion of thier income.. It prob is a buy at this level but until I get a better handle on earnings mix and yield spreads within the bank I'll pss.. Take a look at MLGF and MVLY if you are looking for well run banks in your neck of the woods..hank