Topics covered: Wider spreads in 1-4 family mortgages, Stock picks, Risk profile for smaller banks, Relative valuations, Recessionary pressures, Recession plays, Real estate values, Problems in accepting TARP funds, Overcapitalized banks, Management performance, Industry consolidation, Increase in charge-offs, Eligibility for TARP funds, Dividend payout ratios, Credit cost increases, Construction loan books, Capital balance sheet issues, Building up of reserves, Asset quality issues
