for many banks will depend on how many fre fnm mortgages get returned due to there being guaranteed when sold yet turned toxic. Would say stockholders will be the last to know how many and the cost to bottom line. Second big item is loans being held at full value, banks hoping for a turnaround as unpaid in house mortgages for homes and commercial property grow. What has happened to banks that were seized was tier 1 levels reached levels where day to day operational expenses could no longer be met. That is how long the FDIC waited in many instances, other instances, the bank boards just said, here take it. After following or being involved in a few of these you realize all the press announcements were bravado as those involved were grasping at straws till the very end. Many of those seized banks stocks should not have been allowed to continue trading. During the s&l crisis 585 banks were seized over a 5 year period and many of those stockholders were crushed.