Scroll down to listen to audio clips of Laurie Kulikowski's interview with Hardesty Capital Management's Eric Schopf for an investor's take on
TheStreet.com: Give an overall assessment of how you think the bank sector measured up in the second quarter. Eric Schopf: There were an awful lot of moving parts in the second quarter. That's evident by the estimates out there on Wall Street and they're pretty much all over the place. It's fair to say that in the second quarter there are a number of trends that will carry over from the first quarter. First and foremost, unemployment continues to be a problem and that is going to weigh heavy on the consumer side of the balance sheet, if you will. Consumer loans are going to continue to underperform. Credit cards are going to continue to be a problem.