Your number is off, they only made a total of $91 billion last year.
Huh.
Let's see my number was from the Fed links @ $28B = $1.12T X (3.5% - 1%) --wait a sec, that should also have ÷ 12mo./yr so the $28B is per year. Aw what the heck, $28B/yr is still not "toxic". BTW, where did the $91B come from?
This is all way past my bed time...