On October 1st, the Office of the Comptroller of the Currency ("OCC") published its second quarter risk analysis. It found that national banks and federal savings associations located in nine Midwestern and upper Midwestern states continue to report better earnings compared with 2012 as a result of improving credit quality. In addition, the condition of national banks and federal savings associations in the Chicago area is stabilizing, with a modest fall in the number of problem institutions since last year. OCC Press Release.