A question about knowing when a bank is ready to sell notes.

[Cory Villarreal]

I was on the FDIC website researching small local banks and I was wondering if a bank is more likely to sell a write-off note or a non accrual note or are they the same thing? How do I know if a bank has enough provisions for credit loss to be healthy enough to sell? Also, what laws or policies require banks to get rid of their debt?