Download - Not a penny of FDIC-insured deposits lost
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Not a penny of FDIC-insured deposits lost.
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Regulatory requirements have increasedsignificantly
Dodd-Frank Act - 2319 pages
Gramm Leach Bliley Act145 pages
Sarbanes Oxley Act61 pages
Glass Steagall
Act37 pages
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44% of unemployed have been so for over six
months.
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3.7 million mortgages were seriously delinquent or in foreclosure at the end of 2010.
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Consumer Loan Demand Remains Low
Recessions
Source: Federal Reserve. *3-quarter moving average. Net Percentage of Banks Reporting Higher Demand*
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Regulatory pressure reduces lending.
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Failed Banks1989:
531
2010 through Oct. : 139
Source: FDIC
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2007 2008 2009 2010
Bank failure costs are declining
$17.6B
$0.1B
$36.4B
$22.1B
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1984 1987 1990 1993 1996 1999 2002 2005 20084%
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12% 2Q 2010:11.25%
Banks are much more stable
Equity Capital to Assets
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We’ve made it through
tough times before.
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Your community
is our community.
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Talk to us.
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We are here to
serve you.
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