Download - Not a penny of FDIC-insured deposits lost
Not a penny of FDIC-insured deposits lost.
Regulatory requirements have increasedsignificantly
Dodd-Frank Act - 2319 pages
Gramm Leach Bliley Act145 pages
Sarbanes Oxley Act61 pages
Glass Steagall
Act37 pages
44% of unemployed have been so for over six
months.
3.7 million mortgages were seriously delinquent or in foreclosure at the end of 2010.
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-50
-35
-20
-5
10
25
40
Consumer Loan Demand Remains Low
Recessions
Source: Federal Reserve. *3-quarter moving average. Net Percentage of Banks Reporting Higher Demand*
Regulatory pressure reduces lending.
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0
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200
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600
Failed Banks1989:
531
2010 through Oct. : 139
Source: FDIC
2007 2008 2009 2010
Bank failure costs are declining
$17.6B
$0.1B
$36.4B
$22.1B
1984 1987 1990 1993 1996 1999 2002 2005 20084%
5%
6%
7%
8%
9%
10%
11%
12% 2Q 2010:11.25%
Banks are much more stable
Equity Capital to Assets
We’ve made it through
tough times before.
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is our community.
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