Regional Banks Continue to Struggle with Non-current loans rising at a faster pace than Reserves for Losses.

Reserves for Losses increased $7.0 billion in the fourth quarter, while Noncurrent Loans increased $24.3 billion. Year over year reserves are up 30.8% while noncurrent loans are up 67.5% which will continue to put significant stress on the banking system and will extend the credit crunch into 2012-2013.

                    Q3 2009                 Q4 2009             $Change %  Change %YOY  

Total assets   13,246,624,000     13,109,456,000      -137,168,000  -1.0%   5.3%

Reserve

for Losses     220,499,000            227,480,000          6,981,000   3.2%   30.8%

30-89 Day

Past Due       142,617,000            140,430,000         -2,187,000  -1.5%  -11.9%

Non-current

Loans           366,991,000            391,310,000          24,319,000   6.6%    67.5%

Other Real

Estate

Owned        37,143,000              41,357,000             4,214,000     11.3% 55.1%

                                            Courtesy of the FDIC