Citizens Republic Bancorp, Inc. Q3 2008 Earnings Call Transcript Seeking Alpha, NY - 7 hours ago We do no sub-prime and our average refreshed FICO score is 692, in line with the national average. In the direct consumer portfolio, which is largely home ... First Horizon National Corp. F3Q08 (Qtr End 09/30/08) Earnings ... Seeking Alpha all 4 news articles |