Let's look at some charts from the profile.
Click on all images for a larger image
Notice how real estate construction and development loans are spiking; there is no end in sight at this point.
Both the non-current and quarterly charge off rates are at the highest level in 15 years.
For smaller banks, non-current construction and industrial loans are at 10 year years. The bigger banks still have a ways to go.
Non-current rates on residential loans are still increasing.
Both small and large banks are taking a big hit.
Notice how both of these numbers are increasing.
Credit quality of residential mortgage loans continues to deteriorate
Quarterly net charge offs evened out last quarter, but are still at high levels.