STI did credit checks and employment verifications on there mortgages. They are faced mostly with foreclosures from those who have become unemployed and walk aways, probably substantial but not enough to destroy the bank. The FDIC has used them to take over other banks after they closed them which is a good sign for STI. Forbes is not providing a complete picture, Virginia California Nevada New Jersey Georgia Mississippi South Carolina Mi Mass De MD foreclosures are accelerating rapidly. Homeowners have exhausted there savings, credit cards, 401ks and other retirement funds and are walking away. It is all just so sad to see. Further home prices are plunging over 60% in many areas.