SOURCE: The Bedford Report

The Bedford Report

March 01, 2011 11:25 ET

Still Owing TARP Leads to Greater Capital Constraints

The Bedford Report Provides Analyst Research on BB&T & Zions Bancorp

NEW YORK, NY--(Marketwire - March 1, 2011) - In recent quarters, regional banks have begun to post improved credit quality and have shown signs that credit losses are in the past. More thorough and cautious credit checks have led to fewer delinquent loans and greater financial stability. As such, banks are setting aside less money to cover bad loans, and some are seeing loan losses recede. The Bedford Report examines the outlook for companies in the Regional Banking Sector and provides research reports on BB&T Corporation (NYSE: BBT) and Zions Bancorporation (NASDAQ: ZION). Access to the full company reports can be found at:

With much of the sector posting consistent profits again as commercial real estate-related loan losses are easing, the number of Regional Banks still owing TARP money has shrunk considerably. Repaying TARP money leads to fewer capital constraints placed on the banks. In fact, the Fed explained that banks which have yet to repay the government bailout money received through the US Treasury Department's Troubled Assets Relief Program will not be allowed to increase their dividend payments.

The Bedford Report releases regular market updates on the Regional Banking sector so investors can stay ahead of the crowd and make the best investment decisions to maximize their returns. Take a few minutes to register with us free at and get exclusive access to our numerous analyst reports and industry newsletters.

Famously, BB&T paid back its TARP money earlier (2009) than most of its peers. The company's fourth quarter earnings came in at 30 cents per share, up from the prior-year quarter's earnings of 27 cents per share.

Zions Bancorporation has yet to repay $1.4 billion in TARP money it received from the Treasury Department more than two years ago. In mid-February the bank agreed to pay an $8 million civil fine to resolve a federal investigation that uncovered deficiencies in how the bank monitored billions of dollars of wire transfers.

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