USA Banking performance: Credit quality improving?

Credit quality has been improving for a few quarters in a row -however, USA mortgages are not expected to improve anywhere soon-. CFOs' of some banks are "optimistic" about their assets quality... while they may be more nervous about new regulations and "de-intermediation" -reduction of people willing to use their services-... so, the optimism looks shallow. There are no interesting proposals coming from bankers about restructuring financial services industry... except consolidation, and that pathway drives to the wrong place: criminal complacency and legalized unethical compensations  "... don't worry, we are too big to fail".