Companies covered: Bank of America Corporation (NYSE:BAC), Citigroup Inc. (NYSE:C), Goldman Sachs Group, Inc. (The) (NYSE:GS), JPMorgan Chase & Co. (NYSE:JPM), Morgan Stanley (NYSE:MS), BB&T Corporation (NYSE:BBT), KeyCorp (NYSE:KEY), Regions Financial Corporation (NYSE:RF), SunTrust Banks, Inc. (NYSE:STI), U.S. Bancorp (NYSE:USB), Wells Fargo & Company (NYSE:WFC), Zions Bancorporation (NASDAQ:ZION), Bank Of New York Mellon Corporation (The) (NYSE:BK), Northern Trust Corporation (NASDAQ:NTRS), State Street Corporation (NYSE:STT), M&T Bank Corporation (NYSE:MTB), New York Community Bancorp, Inc. (NYSE:NYCB), Astoria Financial Corporation (NYSE:AF), First Niagara Financial Group Inc. (NASDAQ:FNFG), Signature Bank (NASDAQ:SBNY), National Penn Bancshares, Inc. (NASDAQ:NPBC), PNC Financial Services Group, Inc. (The) (NYSE:PNC), Fifth Third Bancorp (NASDAQ:FITB), SLM Corporation (NASDAQ:SLMBP), Discover Financial Services (NYSE:DFS), Bridge Bancorp, Inc. (NASDAQ:BDGE), Suffolk Bancorp (NASDAQ:SUBK), OceanFirst Financial Corp. (NASDAQ:OCFC), Stonegate Bank (NASDAQ:SGBK), Seacoast Banking Corporation of Florida (NASDAQ:SBCF), CenterState Banks, Inc. (NASDAQ:CSFL), BNC Bancorp (NASDAQ:BNCN), Park Sterling Corporation (NASDAQ:PSTB), Carolina Bank Holdings Inc. (NASDAQ:CLBH), State Bank Financial Corporation. (NASDAQ:STBZ), Fidelity Southern Corporation (NASDAQ:LION), Atlantic Capital Bancshares Inc (NASDAQ:ACBI), PacWest Bancorp (NASDAQ:PACW), MidSouth Bancorp (NYSE:MSL), First Resource Bank (OTCMKTS:FRSB), Sun Bancorp, Inc. (NASDAQ:SNBC), Flushing Financial Corporation (NASDAQ:FFIC), Howard Bancorp, Inc. (NASDAQ:HBMD)