KIK, (On CVLY) I know I'm not 10bagger, but I will share with you my opinion. <br /> <br /> At first I got real excited they earned .21. Growth in Interest income. Has a dividend, trades at huge discount to book value. <br /> <br /> Then I seen something I wasn't very crazy about is the constant rise of nonperforming asset, to me that is always a sign to not like. <br /> <br /> CVLY (Non Performing Assets) <br /> q4 08 1.83% <br /> q1 09 2.92% <br /> q2 09 3.29% <br /> q3 09 3.98% <br /> q4 09 5.33% <br /> <br /> Maybe it is me just being picky, but I do not like CVLY for this reason, and would not buy it. Wishing you the best with CVLY. All is just my opinion, and I could always be wrong though.