Who assumes Banks are smart?
Regardless of the 'drop in the bucket' perspective, banks are here to make money and they are losing money with this. Relative to overall cash stocks/bank value, yes, it's small potatoes, and such a point is irrelevant to the fact Banks are in business to make money and they simply let it there money 'drop' - says alot about the competence, or lack thereof, and the short-sighted nature Banks have.
Remember, banking Greed, or as an economist I should say, 'excessive capitalism', is what is causing this Second Depression now.
This drop is not surprising to me anyways.
Bank are morons, and Greed Breads Mean Deeds.