WASHINGTON — In yet another sign of the volatility of the past decade, the news from the Federal Deposit Insurance Corp.'s latest update on industry health might be just how normal banking was in the fourth quarter.

Banks are not taking the aggressive approach that characterized the real estate bubble nor are they sitting on their hands chastened by worries and risk. There are plenty of concerns out there, including potential fears for commercial loans over the energy slowdown. Institutions are setting aside more loss reserves. But loans are still growing — by a significant clip — while big institutions enjoyed an immediate benefit from higher interest rates.

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