While the largest U.S. banks have shed tens of thousands of jobs since the 2008 financial crisis, their costs are still rising.

That because generous pay packages and tighter regulations following the crisis are eating up their cash, according to The Wall Street Journal.

At the six largest U.S. banks, non-interest expenses, which include compensation, technology spending and compliance costs, rose 9.6 percent from 2009 to 2013. The big six consists of JPMorgan Chase, Bank of America, Citigroup, Wells Fargo, Goldman Sachs and Morgan Stanley.

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At the same time that their costs were rising, the banks' revenue dropped 9.7 percent, according to research firm SNL Financial, The Journal reports. That's not a healthy combination.

As for compensation, it climbed 5.5 percent at the big six from 2009 to 2012, reaching $149.6 billion, before a marginal decline to $149.4 billion last year, according to the paper. That increase came despite a 7.5 percent reduction in personnel, meaning the survivors are being paid quite handsomely.

Meanwhile, the Office of the Comptroller of the Currency, which regulates banks, is concerned about the easing of banks' lending policies.

"Competition for limited lending opportunities is intensifying, resulting in loosening underwriting standards, particularly in indirect auto and leveraged lending," according to the OCC's semiannual risk report.

"Easing in underwriting and increased risk layering is also occurring in commercial loans."

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