Article: Eyes on Government as the Crisis Eases.(News)(Viewpoint essay)

Bankers, regulators and investors identify the biggest risks facing the industry a year after the financial crisis erupted. Edited excerpts of our interviews follow.

Office of Thrift Supervision

John Bowman, acting director

"There are two major risks that stand above all others: high unemployment rates continuing to lead to the erosion of credit quality and concentrations in commercial real estate that are threatening to become the next wave of losses during this financial crisis."

Easton Bank and Trust Co.

R. Michael Menzies, president and CEO, and chairman of the Independent Community Bankers Association

"The ...

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