http://finance.yahoo.com/news/Standard-amp-Poors-cuts-apf-15548167.html?sec=topStories&pos=7&asset=&ccode=
There is the truth of the story in those two paragraphs and it holds true for every bank even the ones paying back their TARP loans.
Credit ratings agency Standard & Poor's on Wednesday cut ratings and revised outlooks on 22 banks amid concern about further weakening in the financial sector.
S&P said the changes reflected its assessment that volatility will remain in the financial sector and the industry is expected to face tighter regulatory oversight. S&P also said loan losses, which have plagued the industry for more than a year, are likely to continue to increase and could grow beyond expectations
