the great news is that with that horrible 3rd qtr 2012 out of the way, the ttm EPS is now only -$0.16 instead of -$1.56 a year ago. That's 3 of the last 4 qtrs profitable.
With mortgage and lending rates on the rise, loan income and interest income should continue to rise.
...take a little trip, take a little trip, take a little trip with me...