Companies covered: JPMorgan Chase & Co. (NYSE:JPM), Bank of America Corporation (NYSE:BAC), United Community Banks, Inc. (NASDAQ:UCBI), South State Corporation (NASDAQ:SSB), Ameris Bancorp (NASDAQ:ABCB), Citigroup Inc. (NYSE:C), Morgan Stanley (NYSE:MS), SunTrust Banks, Inc. (NYSE:STI), BB&T Corporation (NYSE:BBT), Northern Trust Corporation (NASDAQ:NTRS), Wells Fargo & Company (NYSE:WFC), PNC Financial Services Group, Inc. (The) (NYSE:PNC), M&T Bank Corporation (NYSE:MTB), U.S. Bancorp (NYSE:USB), Regions Financial Corporation (NYSE:RF), Zions Bancorporation (NYSE:ZBK), Farmers & Merchants Bancorp Inc. (NASDAQ:FMAO), First Midwest Bancorp, Inc. (NASDAQ:FMBI), Meta Financial Group, Inc. (NASDAQ:CASH), KeyCorp (NYSE:KEY), First Niagara Financial Group Inc. (NASDAQ:FNFG), New York Community Bancorp, Inc. (NYSE:NYCB), Astoria Financial Corporation (NYSE:AF), Citizens Financial Group, Inc. (NYSE:CFG), Royal Bank Scotland plc (The) (NYSE:RBS), Apple Inc. (NASDAQ:AAPL), Hilltop Holdings Inc. (NYSE:HTH)