Topics covered: Yield curve outlook, Trophy-type franchise, Sustainable revenue source for earnings growth, Stocks to avoid., Stock picks, Retail relationships in individual communities, Non-performing assets, Near-term catalyst, Narrowing bank multiples, Margin pressure, Management performance, M&A Activity, Low-cost deposit growth, Long-term stable management team, Large transformational deals, Large securities portfolio, Investor concerns, Interest-bearing products, Interest rate outlook, Economic outlook for 2007, Disappointment in 4Q06 earnings, Difficult earnings environment, De novo expansion growth, Credit quality concerns, Competitive environment, Community bank operating model, Commercial deposits