Taking stock is something of a tradition at annual meetings, and delegates to the second annual convention of Savings & Community Bankers of America will be taking stock of their industry and their institutions from a variety of perspectives. By any rational measure, that process should produce satisfaction, if not euphoria.

Earnings continue to be strong. Capital levels have risen dramatically, and the capital markets continue to accommodate IPOs and secondary issues eagerly. Institutions which were virtually written off as recently as three years ago have successfully restructured, achieved capital adequacy and are reemerging as major players on an increasingly competitive field.

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