Fred曾經解釋過： 
銀行業者一旦開始倒閉，
由於當今世界
高槓桿的存款準備率
以及低存款兩者的關係，
必定產生連鎖倒閉的骨牌效應。
雖然聯準會大量印鈔票來緩和狀況，
只會延遲時間，讓倒閉速度變慢
但是無法在根本上解決這個現象。
market pulse
July 16, 2010, 6:41 p.m. EDT
又有六家銀行倒閉
使得2010年倒閉數累積至96家
Six bank failures bring 2010 tally to 96
Alert Email Print Share By Wallace Witkowski
SAN FRANCISCO (MarketWatch) -- Five more bank failures brought the total tally for the year to 96, according to the Federal Deposit Insurance Corp. on Friday. Commercial Bank of Alma, Mich., will assume all of the deposits of Mainstreet Savings Bank, FSB, in Hastings, Mich; and CenterState Bank of Winter Haven, Fla., will assume all of the deposits of Olde Cypress Community Bank of Clewiston, Fla. Also, NAFH National Bank of Miami will assume deposits for Miami's Metro Bank of Dade County; Turnberry Bank of Aventura, Fla.; and First National Bank of the South in Spartanburg, S.C. Earlier in the day, regulators closed Woodlands Bank in Bluffton, S.C., with Bank of the Ozarks of Little Rock, Ark., assuming all its deposits. The total charge to the deposit-insurance fund for the five banks is $334.8 million.
原文（全）連結：
銀行垮了：倒閉數不斷攀升
Breaking the Bank: Closures Keep Climbing in 2010
n 今年上半年倒閉累積至96家，
去年同期只有70家倒閉。
n 美國存款保證機構FDIC的報告中說
美國地區仍然有775間銀行仍然處於困境之中。
By GIL RUDAWSKY Posted 8:00 PM 07/20/10
The economy may be showing signs of life, but the banking industry
remains in critical condition. In fact, the struggling industry is on track to
surpass last year's 140 bank closures this year, with the Federal Deposit
Insurance Corp. reporting 96 closures as of the end of last week. At this
same time last year, the FDIC had logged approximately 70 closures.
Banking closures are a lagging indicator, says independent banking analyst Bert
Ely. In other words, banks are still feeling the aftereffects of bad loans and
the mortgage crisis even though the economy has turned up. "There are
still a lot of problems in the banking system," Ely says.
He believes a recovery is coming, projecting that closures will peak this year,
then recede next year. The FDIC also found some indications of better times
ahead. For one thing, the industry logged the highest first-quarter profit
since 2008, the FDIC reports. Banks brought in $18 billion in profit for the
first quarter, a $12 billion improvement from the first quarter of last year.
The gain is a result of banks steadily building capital to improve balance
sheets, including attracting outside investors.
More good news? The FDIC's Deposit Insurance Fund balance has improved slightly
from the last quarter of 2009, sitting at negative $20.7 billion at the end of
the first quarter.
'Problem' banks in the hundreds
But the industry is hardly out of the woods yet. The FDIC lists 775 banks as
"problem" institutions, defined as banks that may be in jeopardy of
failing, compared to only 48 in 2006, prior to the housing plunge. Most problem
banks don't end up shutting down, the FDIC notes. Still, the higher number
could signal more failures to come.
Florida,
which has been hit hard by the housing market crash, has been home to 16
closures this year, the highest number in the country. Illinois isn't far behind with 12 failed
banks. And earlier this month, Mississippi
had its first bank closure in the past 10 years.
This week, the FDIC reported six bank closings, including three in Florida. The most recent
closure was Mainstreet Savings Bank in Hastings,
Mich., which reported $97.4
million in total assets and $63.7 million in total deposits. Commercial Bank in
Alma, Mich
has agreed to take over all of Mainstreet's deposits.
Ideal Federal Savings Bank, a 90-year-old family-owned bank in Baltimore, Md.,
fared worse when it was shuttered by the FDIC earlier this month. The bank
specialized in providing mortgages to minority home buyers, and no other bank
is taking over its assets.
"The community has changed," wrote Baltimore resident
Maxine
Wood in a letter to The Baltimore Sun. "In this age of
electronic banking and ATM's, banking needs can be readily met. Yet, there are
needs within the community Ideal Savings Bank served that may well go
unmet."
原文（全）連結：
http://www.dailyfinance.com/story/insurance/2010-bank-closures-failures/19561975/
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