LOOSE CHANGE

Don't expect buoyant earning reports from the money center and major regional U.S. banks in 1991, or so says Standard & Poors banking analyst Richard Levine. He says that "aggravating the current recessionary situation is the concern that the mix of bank assets has become riskier." He also notes that "as the economy slows, these assets will likely be subjected to devaluation, and additional reserves may have to be set aside, further depressing an earnings recovery." But he stops short of