The problem is the banks count the deposiors money as assets. WAMU was a great example of what happens when the depositors flee. Over 1 weekend the WAMU depositers moved about 15% of depositors money on line to other banks. Monday a.m. WAMU began its fall. Lge and regional banks use these accounting gimmicks to misrepresent the actual loans and debts on there books. BBT got 20 billion in depositors money when they took over CNB. Since the takeover the SE region has taken hits from the weather which are dollar wise costing more than Katrina which was 100 billion. BBT losses are not there fault, bad luck really but none the less large losses and added in is no profits and erosion of depositors from the CNB acquisition. They are not in the running to buy anything. Subtract the depositors dollars from their spreadsheets and draw your own conclusions. BBT is not alone and the new bank legislation is going to have high impact going forward. Summed up this way, you can't count money that does not belong to you.