FDIC published Quarterly Banking Profile

· Margins fell to 3.17%

· Securities losses increased by $39B to $517B.

· Total loans dropped by $35B,

· Noncurrent loans are rising, particularly in commercial real estate and credit card portfolios.

· Credit card losses at their highest since 2011.

· The number of problem banks grew to 63, with their assets rising to $82.1B.

· Uninsured deposits increasing

· The reserve ratio won't meet the goal until 2028.