Roughly 600 financial institutions that received bail-out funds from the federal government are still holding more than $30 billion, or around 13%, of the total $245 billion in rescue money given to banks in trouble. While some of the largest banks have already paid back their allocation in full, community banks in particular are still struggling to return to profitability, with some of them trading in their current loans for less expensive financing, also from the federal government. The Department of the Treasury estimates that it will see a profit of $20 billion from all its rescue efforts, but that figure will depend on whether these banks will repay their bailouts.
