4. Intervest Bancshares ( IBCA) Company Profile: Intervest Bancshares is the parent company of New York-based Intervest National Bank, a nationally chartered commercial bank that has six full-service banking offices in Clearwater and Gulfport, Fla. Earnings Reporting Date: July 15 (unconfirmed) Current Share Price: $3.50 2011 Share Price Performance: 19% Analyst Ratings: Sandler O'Neill is the lone research shop following Intervest, rating the company a "buy" with a $4 price target. What To Watch For: During the first quarter, Intervest saw the total provision for loan and real estate losses drop to only $2 million from $11.6 million a year ago and $4.7 million in the fourth quarter of 2010. The company said that reflected fewer problem assets and credit rating downgrades. As there isn't a lot more room to reverse those provisions for loan losses, investors will be looking for continued improvements in nonaccrual loans and real estate owned, which fell to $72 million in the first quarter from $154 million a year ago.