| http://www.w3.org/ns/prov#value | - In addition, while utilizing the 8-12 quarter look-back period, banks are seeing significant charge-offs from prior periods begin to fall-off from their FAS 5 loss ratios, an even bigger problem for banks that transitioned from the OTS to the OCC. Despite the improved economy and lending practices, regulators are still closely monitoring reserves especially in cases where they feel banks are under
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