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Full recovery?

Full recovery?Though a seasonal drop-off in the fourth quarter, full year earnings were at their highest in four years.
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Lending Bonanza

Lending increased by $130 billion in the fourth quarter, driven mainly by commercial and industrial loans.
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Consumer Vs. Commercial

Even while commercial loans outpaced other borrowing, consumer loan growth was still significant compared to prior quarters.
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Fewer Troubles

Net charge-offs fell to their lowest levels since early 2008, while noncurrent loans fell for the seventh straight quarter.
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Bank Portfolios

Small banks were more heavily invested in residential mortgages, construction and ag loans than their larger counterparts.
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Declining Advances

Borrowing from the Federal Home Loan Banks continues to be at a 10-year low, suggesting ongoing troubles for the system.
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