Topics covered: Texas banks, Streamlining systems and back office operations, Stocks to worry about, Stock recommendations, Revenue generation, Restraints on lending, Pacific Northwest banks, Outlying area bank outlook, Metro urban market banks, Management performance, M&A activity drought, Level of reserves, Investor interest, Hawaii banks, Foreclosures and non-interest expenses, Credit quality problems, Cost-Cutting Measures, Construction and land loans, Capital availability, California DFI and state regulators, California banks, C&I and commercial real estate portfolios