어제 4개의 은행이 문을 닫았군요. 이것으로 올해 45일밖에 안지났는데 총 13개의 은행이 사라져버렸습니다. 몇년안에 1000개의 은행이 문을 닫을것이라는 예측도 나왔습니다. 물론 worst case scenario이겠지만……

==

Banks in Florida, Illinois, Nebraska and Oregon Closed

By Margaret Chadbourn

Feb. 14 (Bloomberg) — Banks in Florida, Illinois, Nebraska and Oregon were shut by state regulators, boosting the toll of failed institutions to 13, as a worsening economy and slumping housing market pushes home foreclosures to records.

Riverside Bank of the Gulf Coast in Cape Coral, Florida; Sherman County Bank in Loup City, Nebraska; Corn Belt Bank and Trust of Pittsfield, Illinois; and Pinnacle Bank of Beaverton, Oregon were closed by state regulators yesterday. The Federal Deposit Insurance Corp. was named receiver.

TIB Bank of Naples, Florida, will buy Riverside’s $424 million in deposits, except $142.6 million in brokered deposits, for a 1.3 percent premium. Heritage Bank of Wood River, Nebraska, will pay a 6 percent premium for Sherman County’s $85.1 million in deposits. Carlinville National Bank of Carlinville, Illinois, will assume Corn Belt’s $234.4 million deposits for a 1.75 percent premium. Washington Trust Bank of Spokane, Washington, assumed Pinnacle’s $64 million of deposits, the FDIC said.

Regulators seized six banks in January, the highest monthly toll since 1993. State and federal agencies shuttered 25 banks last year, matching the combined total for 2001-2007, as home foreclosures soared and bank profits tumbled.

The Obama administration is seeking to jolt the economy with a bank rescue using $350 billion from the Troubled Asset Relief Program, a $787 billion stimulus package and a plan to stem foreclosures. The U.S. will subsidize interest-rate reductions to help borrowers avoid losing their home, said a person briefed on the proposal, costing $50 billion.

Treasury Secretary Timothy Geithner outlined the bank rescue and pledged to remove illiquid assets from banks’ balance sheets and spur lending. Private investors have expressed an interest in joining the government in the fund, Lawrence Summers, director of the National Economic Council, said on Bloomberg Television’s “Political Capital with Al Hunt.”

The FDIC, other bank regulators and Congress are taking steps to help banks avoid losses. Legislation that would more than double deposit insurance coverage is being considered by Congress. The House Financial Services Committee unanimously approved a measure Feb. 4 that would raise coverage to $250,000 per depositor per bank, from $100,000.

Congress also may extend the FDIC’s line of credit with the Treasury to $100 billion from $30 billion to replenish the deposit fund. The FDIC said bank failures through 2013 may cost the fund more than the $40 billion estimated in October.

Yesterday’s bank closings will cost the Deposit Insurance Fund a total of $341.6 million, the FDIC said. On Dec. 16, the FDIC doubled premiums it charges banks to replenish its reserves, which had $34.6 billion as of the third quarter. The Washington- based agency oversees 8,384 institutions with $13.6 trillion in assets.

The FDIC classified 171 banks as “problem” in the third quarter, a 46 percent jump from the second quarter, and said industry earnings fell 94 percent to $1.73 billion from the previous year. The agency doesn’t identify problem banks by name. A new report may be released this month.

As many as 1,000 U.S. banks may fail in the next three to five years from mounting losses on commercial real-estate loans, RBC Capital Markets analysts have said, almost double the one- year tally at the height of the saving-and-loan collapse. Most of the failures will probably occur at banks with less than $2 billion in assets.

More than 250,000 foreclosures were filed in January, the 10th straight month of a quarter-million filings, RealtyTrac Inc., the Irvine, California-based provider of real estate data, said in a statement this week.

Washington Mutual Inc., the biggest savings and loan, sold its assets to JPMorgan Chase Sept. 25 after customers drained $16.7 billion in deposits in less than two weeks. Wachovia Corp., the sixth-biggest bank, was pushed by regulators to sell itself to Wells Fargo for $11.7 billion.

Last Updated: February 14, 2009 00:00 EST