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I look forward to this report each week. As usual great.

I own $WMPN and I think they made a terrible deal. I hope another bank makes a better offer.

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Thank you! Without much familiarity with $WMPN and just looking at their price/tangible book value ratio, it does look like they are selling themselves at a low valuation.

With the high cost of complying with regulations, the trend of consolidation along smaller banks is continuing even though it takes a while for these deals to close.

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Thanks Asif. They do take a while to close. I had one fall apart close to the end in the beginning of the year. However, even the offer there was at a larger premium to TBV. This may be the lowest offer in regard to TBV that I have ever been involved in.

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