The TARP Inspector General said that as of March 31, the government still held preferred shares in 351 regional and community banks that had received TARP money, "in addition to 83 financial institutions in TARP's Community Development Capital Initiative ("CDCI"), for a total of 434 still in TARP." Through the Small Business Lending Fund, 137 banks were able to exit TARP, with the government taking new preferred stakes under the SBLF program. 4 Stocks That Are Real Sleepers in 2012 >> Many of the remaining TARP banks were unable to qualify for SBLF, and some have missed dividend payments to the government. Late in 2013, the dividend rate for TARP preferred shares will increase to 9.00% from 5.00%, which for some TARP banks will be a crippling coupon. So over the next two years, the remaining TARP banks will be under increasing pressure to fully exit TARP or sell to stronger institutions. -- Written by Philip van Doorn in Jupiter, Fla. To contact the writer, click here: Philip van Doorn. To follow the writer on Twitter, go to http://twitter.com/PhilipvanDoorn.