Topics covered: Unique Business Models, Timing Of Commercial Mortgage Portfolio Bad Debt Write Offs, TARP Program, Tangible Book As Guide For Bank Stock Pricing, Residential Mortgage Situation, Regional Banks Mergers and Acquisitions Timing Strategy, Regional Bank Boards Looking For Exit, Mutual Holding Company Structure, Interest Rate Scenarios, FDIC Hit List For Bank Closings, Expensive Bank Valuations, Distressed Sales Of Community and Regional Banks, Commercial Mortgage Portfolio Decay, Banking Pricing Power, Attitude Of Institutional Investors Towards Resurgence in Community Banking