Urrent state of the U.S banking industry

Discuss general state of the U.S banking industry  what were some key events of 2009

Discuss 3 key problems facing the banks today

Has the U.S. Govt helped or harmed the issue? Has taking TARP money really helped?

What is the  too-big-to-fail concern facing the banks?


Reference:
Wall Street Journal
Financial Times
etc.