NEW YORK ( TheStreet) -- After another mediocre session for bank stocks in general, winners in the sector included KeyCorp ( KEY), which was up 3.5% to close at $8.91, after the company reported a solid fourth quarter. After being featured back in November as one of TheStreet's10 Banks with Real Earnings Improvement KeyCorp reported another significant increase in fee income. Like so many other large banks, Key benefitted from sharply reduced credit costs. New York Community Bancorp ( NYB) was another winner, with shares up 2% for the session to $18.68, leading into an earnings announcement scheduled for Wednesday. First Niagara Financial ( FNFG) also had a good day, with shares rising 2% to close at $14.05. The company is scheduled to release its fourth-quarter results on Thursday. The KBW Bank Index was down slightly, closing at 52.98. Losers for the session included Regions Financial ( RF), which closed at $7.02, down 4% on the day on heavy volume, following the company's report of a fourth-quarter profit. During the conference call that followed the earnings release, CEO Grayson Hall said Regions would focus on patiently sustaining the company's profitability before repaying the government $3.5 billion in bailout funds received through the Troubled Assets Relief Program, or TARP, in October 2008. During the fourth quarter, the $682 million that Regions added to its loan loss reserves equaled the amount of net loan charge-offs the company booked. When asked when the company would begin to release loan loss reserves, Grayson said Regions would remain disciplined, to avoid a premature release. The largest four U.S. banks saw their fourth-quarter earnings boosted by large releases of loan loss reserves, including Citigroup ( C), which reported a net release of allowance for loan losses and unfunded lending commitments of $2.3 billion; Wells Fargo ( WFC), which released $850 million from reserves; JPMorgan Chase ( JPM), which saw a $1.9 billion decline in loan loss reserves; and Bank of America ( BAC), which reported a $1.7 billion decline in reserves during the fourth quarter. Bank of America's shareholders had another difficult day, with shares down 2% to close at $13.63.