Take a look at the new site capital2risk.com The Patapsco Bank Dundalk Maryland

This is Michael Dee, this bald clown took $6,000,000 of your tax payer money, which he can’t pay back

capital2risk.com

Look at this Dork, he hasn’t even paid interest on the money he stole from you since 2/10.

Michael Dee makes $186,000 a year to wipe out a 100 year old bank

This criminal made $27,000,000 in bad loans

Michael you lost over $3,000,000 in Q4 2011 alone how the hell are you pay back the tax payer? You can’t

Michael you wiped out your investors, the stock is 90 cents a share,

Michael gets a $6K car allowance for bankrupting this place

Do you have money with this thief?

Michael, were DEE F$$$$ is the $6,000,000 you took

This criminal won’t even pay the tax payer INTEREST on money he stole!

No wonder this guy is bald

Do you have money in this disaster?

This Bill Weidel, this clown is the CFO, he took $6,000,000 from the tax payer

Bill makes $147,000 except he won’t even pay interest on the money he stole

The Patapsco Bank, Dundalk Maryland was founded in 1910.  The company took $6MM in tax payer funded bail out money, which they won’t pay back.  They haven’t even made an interest payment, since 2/10.  For some reason, they are not on the problem bank list. I guess not paying back, the $6MM to the tax payer or not even paying interest, is not a problem to the regulators.

Assets are $269MM, with reported equity of $17MM

The actual equity is $11MM, as the $6MM in bailout money is debt, not equity.

The problem loan portfolio is $23MM.

With $23MM in problem loans and $11MM in equity, this place looks insolvent.

How come this place is not closed down?

How come they aren’t on the problem bank list?

The executives might not care about paying the tax payer back, but they have no problem paying themselves.

Michael Dee               made   $186k

Laurence Mitchell   made $144k

William Wiedel          made $147k

That is good pay for bankrupting a 100 year financial institution.

Michael, you got paid, where is the $6MM you took from the tax payer?

Michael, you pay yourself, but you won’t even pay interest on the money you took.

Do you have money in this place?

The government is using your money to prop  up this insolvent bank.

Bank of Blue Valley Overland Park Kansas

In December, Blue Valley Ban Corp. got $21.8 million from TARP even though the Overland Park, Kan., company’s operations were limited by a secret “memorandum of understanding” with the Federal Reserve Bank of Kansas City and state regulators, said Mark A. Fortino, Blue Valley’s finance chief.

This month, the pact was upgraded to a formal written agreement with the Fed. Such agreements generally signal that a bank is on a government list of “problem” institutions. At the Fed’s request, Blue Valley didn’t make $271,000 in TARP dividend payments due in May and August, according to Mr. Fortino.

This is Robert Reiger he gets paid $315k to run this bank into the ground

He got this place on problem bank list for inept commercial real estate lending

Robert racked up $48MM in bad loans and lost the company $26MM

Bank of the Blue Valley? with this clown as the the CEO, the investors are singing the blues

Bank of Blue Valley Overland Park, Kansas was founded in 1989.  The company is on the problem bank list, after it entered into a consent order with the FDIC, for inept commercial real estate lending.  The Texas ratio is 53%.

Bob racked up $48,000,000 in bad  loans, and gets paid $315,000

He seems to like these 3 racks

Hopefully, Bob is not giving these vixons financial advise

Do you think he told them he is on the problem bank list?

Did he tell them the bank is insolvent?

The company has $723MM in assets with $77MM in equity.

The problem loan situation is staggering.  They have $48MM in problem loans, with get this, $45MM on non accrual. I guess that is why they are on the problem bank list.

With $77MM in equity, the $45MM in non accrual, non accrual alone could easily wipe out the equity position.

They are also good at losing money.  Net income was ($3MM) in FY10, ($15MM) in FY09 and ($10MM) in FY08.

This Mark Fortino, he is the CFO, check this dork out, this guy is so Kansas

The stockholders pay  Mark $165,000  to lose $28,000,000 and make $48,000,000 in junk loans 

This joker sings in the barbershop quartet, maybe he should find a decent barber that can fix that triangulated head

This clown is a “left brain accountant”?  Mark you lost F$$? $28,000,000 with your left brain, how much of the investors $$ are you going to lose with your right brain?

This idiot serves in a “pecuniary way” for the Girl Scouts, A$$hole you lost $28,000,000 for Bank of the Blue Valley. How much are you going to lose for the Girl Scouts?

Lost $28,000,000, made $48,000,000 in bad loans, gets paid $165,000

 

They are not going to earn their way out of this.

At least the executives are well compensated, they earn more than the company makes?

Robert Reigner    makes $315k

Mark Fortino        makes $165k

Bruce Easterly      makes $160k

Not bad pay for getting this place on the problem bank list, losing $28MM and racking up $48MM in bad loans.

Robert Reiger doesn’t care, they pay him $315k to rack up $28MM in loses and $45MM in bad loans, that is a good job.  They pay you good money to keep losing money.

That’s good compensation for this performance, this management team is not singing the blues.

Do you have money in this bank?

The stockholders might have the blues.

Four Oaks Bank and Trust Four Oaks North Carolina

Take a look at the new site

capital2risk.com

This is Ayden Lee, he is wiping out a 100 year old bank

This clown lost $7,039,000 in Q4 2011

Ayden is sitting on $72,000,000 in bad loans, with only $52,000,000 in equity

Ayden you are bankrupt?

This is Ayden Lee he gets paid $276k to bankrupt a 99 year old bank

This idiots have $72,000,000 in bad loans and are sponsoring golf  tournaments?

This clown wiped out 90% of the banks equity in only 3 years

The bank has $92MM in bad loans thanks to this guy, it is insolvent

Do you have money with this guy he bankrupted a 100 year old bank

Four Oaks Bank and Trust Four Oaks North Carolina was founded in 1912.  For some reason, they are not on the problem bank list.  Believe me, this place problems.  I guess a Texas ratio of 80% isn’t good enough in North Carolina these days.

Assets are $960MM with equity of $55MM

Check out the problem loan portfolio, it is impressive.  They have $92MM of bad loans with $81MM on non accrual. Get this, they $42MM in construction loans on non accrual.

Hire this guy as CEO, he has confederate $

So, they have $92MM in bad loans with $55M in equity and they can’t get a spot on the problem bank list, those regulators are on top of thing as usual.

This place is insolvent.

Everything will be all right once the real estate market comes back?

At least the executives pay themselves well to destroy a 99 year financial institution.

Ayden Lee        made  $276k

Clifton Painter  made $171k

Jeff Pope              made $159k

Ayden Lee got paid well to wipe out 90% of the equity in the company in 3 years.

The market capitalization is $19MM or 35% of book, this thing is worth more dead than alive.

For investor relations  questions contact Wanda Blow, can’t make that up. Blow describes the stock price.

Do you have money here?

They should call this thing four jokes.

You know the market is tough, when you are insolvent and can’t even make the problem bank list, those regulators are beyond, savvy

Peoples Bank Lawrence Kansas

Take a look at the new site

capital2risk.com

This is Wint Winters JR he is on the problem bank list for hazardous commercial real estate lending

Wint? you are sitting on $25,000,000 in bad loans

Wint likes to finance vacant land

What the hell is a Wint? Must mean idiot in latin

TAKE YOU MONEY OUT OF THIS BANK FAST!

William S Burroughs on acid could make better decisions than Wint!

Where the hell is Wint Winters III?, the place will be bankrupt by the time he shows up

Wint is in the process of wiping out a 140 year old financial institution

The efficiency ratio is 94%, this idiot loses money just opening up the doors!

Hire this cat as CEO, can’t be any worse than Wint!

Peoples Bank Lawrence Kansas was founded in 1871.  They are on the problem bank list for hazardous commercial real estate lending.  The Texas ratio is 76%.

Do you money in this disaster?

Assets are $382MM with equity of $29MM

The problem loan portfolio is $29MM.

So, the problem loans are $29MM and the equity is $29MM, they are bankrupt.

This place should be closed.

Check out the website, they forgot to publish the financial statements.

The bank survives the great depression and CEO Wint Winters Jr. wipes out a 140 year institution in 3 years.

Thanks Wint, you are one savvy banker.

Do you have in this disaster?

Cornerstone Bank Atlanta Georgia

Check out the new site

capital2risk.com

This is Chris Burnett the CEO

Chris Burnett is the CEO who got this place on the problem bank list

They are also on the under capitalized bank list, that is a serious problem

It didn’t take Chris Burnett long to wipe this place out

Chris is sitting in $28,000,000 in junk loans with only $18,000,000 equity

Not sure why he smiling, he has a serious problem 

Do you have money in this bankrupt disaster? You are screwed!

This is Charles Yorke

Charles has helped wipe this place out

This is Frank Roach CFO

Frank you piece of junk bank is on the under capitalized, do you think there is a problem

No wonder he is half bald

Frank you lost $3,336,000 in Q4 2011

Cornerstone Bank, Atlanta Georgia was founded in 2001.  The bank is on the problem list.  They are currently under capitalized.  The Texas ratio is 77%.

Assets are $477MM, while equity is $24MM

Capitalization is 6.09%, below the 8% threshold.

The problem loan portfolio is $20MM.

Here they are opening a new branch so they can make more bad loans

The problem loans alone should wipe out most of the equity.

Here they are working on the $28,000,000 in problem loans

This place should be closed.

Chris Burnett is the CEO and Charles Youke is the President.

Call Paige Beebe she will get you a sub prime mortgage 401-601-1263

It didn’t take these two long make a ton of bad loans and run this place into the ground.

Things must be good, you are on the problem bank and the under capitalized bank list, driving around in this thing

This place is a cornerstone?

Is this your bank?

Tower Bank & Trust Fort Wayne Indiana

Take a look at the new site

capital2risk.com

This is Michael Cahill he makes $236,000 which includes country club fees and car allowances

Michael ran this bank into the ground

Michael is repsonsible for getting this disaster on the problem bank list

and Principal  Position	Year		Salary1				Bonus2				Stock Awards3				Option  Awards				Non-Equity Incentive  Plan Compensation4				Change in Pension Value and Non- qualified Deferred Compensation Earnings5				All Other  Compen- sation6				Total ($)
			($)				($)				($)				($)				($)				($)				($)
(a)	(b)		(c)				(d)				(e)				(f)				(g)				(h)				(i)				(j)
Michael D.	2011		$	213,269			$	40,000			$	28,154							$	46,746			$	767			$	5,246			$	334,182
Cahill, CEO &	2010		$	197,692				–				–				–			$	34,683			$	546			$	3,365			$	236,286
President	2009		$	180,000			$	25,000				–				–				–			$	808			$	6,652			$	211,652
Richard R	2011		$	141,923			$	15,000			$	20,775							$	33,141				–			$	2,056			$	212,895
Sawyer, CFO	2010		$	135,962				–				–				–			$	28,217				–			$	247			$	164,426
	2009		$	135,000			$	5,400				–				–				–				–			$	1,739			$	142,139
Gary D. Shearer	2011		$	161,842			$	8,000			$	12,465							$	16,650			$	1,140			$	2,678			$	202,775
CEO &	2010		$	154,115				–				–				–			$	25,391			$	955			$	1,027			$	181,488
President,Tower.	2009		$	150,000				–				–				–			$	11,264			$	1,081			$	4,728			$	165,992
Trust Co
Wendell L.	2011		$	153,131			$	15,000			$	20,775				–			$	34,056			$	98			$	3,153			$	226,213
Bontrager, CLO	2010		$	136,461			$	5,400				–				–			$	25,337			$	70			$	14,506			$	181,774
	2009		$	135,000				–			$	9,870				–				–			$	158			$	11,264			$	156,134
James E.	2011		$	119,914			$	99,641			$	20,775				–			$	27,464			$	530			$	1,400			$	269,724
Underwood,	2010		$	119,250			$	15,756				–				–			$	21,768			$	377			$	959			$	158,110
EVP, Risk	2009		$	119,250				–				–								–			$	367			$	1,196			$	120,813
Manager
Tina M	2011		$	124,423			$	15,000			$	20,775				–			$	31,178				–			$	2,116			$	193,492
Farrington, COO	2010		$	115,192			$	4,600				–				–			$	20,810				–			$	841			$	141

Is this clown watching you money?

This is Wendall Bontrager, he is Chief Lending Officer

 This A hole is the one who made $24,000,000 in bad loans and got this train wreck on the problem bank list

Wendall makes $118,000 a year and they pay his country club dues

This Rick Sawyer the CFO he makes $164,000 a year

This dick bankrupted this disaster

This Gary Shearer this bald clown makes $181,000 plus country club dues

Tower Bank & Trust Fort Wayne Indiana was founded in 1999.  The company is on the problem bank list.

Assets  are $668MM with equity of $71MM.

The problem portfolio is $24MM.

Michael Cahill          made $236k

Richard Sawyer       made $164k

Gary Shearer             made $181k

Wendal Bontrager   made $118k

Tina Farrington        made $141k

This includes country club fees and car allowances.

Wow, not bad pay for getting the company put on the problem bank list.

Do you bank here.

Tower? With these salaries, it is more like a golden shower.

First Cornerstone Bank King of Prussia Pennsylvania

Take a look at the new site

capital2risk.com

This is Robert Jara, this fat head bankrupted this place in record time

Robert runs the worst bank in Pennsylvainia

This dope is sitting on $25,000,000 in junk loans

Robert lost $6,000,000 in Q4 alone, this wiping out 50% of the equity in only 90 days

Robert got this place on the problem bank list for weakness in management , shocking

The Texas ratio is 176%

Robert should be in jail

This idiot is Lawrence Persick

This is dumb F$$ck that made $32,000,000 in bad loans

This bald head should be sitting in jail

This guy is the king of Prussia

With a Texas ratio of 178%, Robert Jara has serious debt and no equity

Robert Jara kicks it down with unsafe and unsound lending

First Cornerstone?

How much debt does this place have?  How about $32MM in bad loans

First Cornerstone Bank, King of Prussia Pennsylvania was founded in 2000.  The company is on the problem bank list for unsafe and unsound lending practices.  They were cited for weakness in management, asset quality, capital earnings and liquidity.  The Texas ratio is 176%.

Assets are $180MM with $13MM in equity.

The problem loan portfolio in relation to the asset base is incredible.  They have $32MM in problem loans.

Having $32MM in problem loans with only $13MM in equity equates to bankrupt.

Why isn’t this place closed down?

Robert Jara, the CEO, wasted no time in bankrupting this bank.

Do you have money in this thing.

Cornerstone, is the one thing they aren’t.