In March 2013 Warren Sulmasy estimated that banks had lost $1 trillion in the crisis, and had recapitalized as little as $300 billion of that by that time.
Chris Whalen has estimated that ZIRP yields banks profits of $100 billion quarterly at the expense of savers who are not fairly recompensed for their deposits under the Federal Reserve policy known as zero interest rate policy.
So theoretically by March 2014, one year on from Sulmasy's estimate, banks had recouped an additional $400 billion, with $300 billion yet to go, which should take us to the spring of 2015 before we can say that banks should have been made completely whole from the crisis.
ZIRP should most definitely end by then, or things are worse than we imagine.
Business as usual: a government of the banks, by the banks and for the banks.
