Well, here is a little bit of additional data. I went and got FDIC data on noncurrent loans, chargeoffs, provisions, and loan reserves, for the last few years, and made a graph to see the trends. I realize that the proper level of reserves is a complex question, depending not only on levels but rates of loans going bad (in various senses). But it is still interesting to see that noncurrent loan growth was still strong in Q4 (last data available), while reserves had not kept pace at all and were leveling off.
