However, risk-based capital ratios remained relatively high for most of these banks, with 96 percent maintaining risk-based capital ratios consistent with a "well capitalized" designation under prompt corrective action standards. Funding for the top 50 bank holding companies has improved markedly over the past year.
In addition to benefiting from improvement in interbank markets, these companies increased core deposits from 24 percent of total assets at year-end 2008 to 27 percent as of June 30, 2009.