27
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.
1992
1992
1992
1992
1993
1993
1993
1993
1994
1994
1994
1994
1995
1995
1995
1995
1996
1996
1996
1996
1997
1997
1997
1997
1998
1998
1998
1998
1999
1999
1999
1999
2000
2000
2000
2000
2001
2001
2001
2001
2002
2002
2002
2002
2003
2003
2003
2003
2004
2004
2004
2004
2005
2005
2005
2005
2006
2006
2006
2006
2007
2007
2007
2007
2008
2008
2008
2008
2009
2009
2009
2009
2010
2010
2010
-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.
1934
1935
1936
1937
1938
1939
1940
1941
1942
1943
1944
1945
1946
1947
1948
1949
1950
1951
1952
1953
1954
1955
1956
1957
1958
1959
1960
1961
1962
1963
1964
1965
1966
1967
1968
1969
1970
1971
1972
1973
1974
1975
1976
1977
1978
1979
1980
1981
1982
1983
1984
1985
1986
1987
1988
1989
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
0
100
200
300
400
500
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.
Your community
is our community.
Talk to us.
We are here to
serve you.
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