banks still complaining

I need an explanation as to why the "responsible" bankers would have trouble making money if they lend to "responsible" borrowers. What is the spread on interest rates now? The target rate is close to zero and the fed is still pushing to get rates to 4% for consumers. Banks are paying little if anything on many of their checking accounts and little on savings accounts. They are paying more on some CDs or other investment vehicles to attract capital but if they lend they should make plenty of profit. Why are banks always whining about something when they have all the rules in their favor? When the larger banks like Citi or BofA can charge 20-25% to consumers while they can go to the fed window and funds for next to nothing, it is hard to feel sorry for them.