Regulatory requirements have increasedsignificantly Dodd-Frank Act - 2319 pages Gramm Leach Bliley Act 145 pages Sarbanes Oxley Act61 pages Glass Steagall Act37 pages
3.7 million mortgages were seriously delinquent or in foreclosure at the end of 2010.
Consumer Loan Demand Remains Low Recessions Source: Federal Reserve. *3-quarter moving average. Net Percentage of Banks Reporting Higher Demand*
Failed Banks 1989: 531 2010 through Oct. : 139 Source: FDIC
Bank failure costs are declining $36.4B $22.1B $17.6B $0.1B
Banks are much more stable 2Q 2010: 11.25% Equity Capital to Assets