Le Banche possono fallire? Sì!

 

 

 

Molti chiedono: le banche possono fallire? Risposta: Sìììì!!!

Ma come? Le banche falliscono? Certo che possono fallire, ma dipende!
Per esempio in Usa quest’anno 2011 sono fallite 90 banche, nel 2010 sono fallite 157 banche e nel 2009 sono fallite 140 banche, nel 2008 sono fallite 25 banche e nel 2007 solo 3 banche e via a seguire. Dati della FDIC (Federal Deposit Insural Corporation)

Bank Name	City	State	CERT #	Closing Date
Central Progressive Bank	Lacombe	LA	19657	18/11/11
Polk County Bank	Johnston	IA	14194	18/11/11
Community Bank of Rockmart	Rockmart	GA	57860	10/11/11
SunFirst Bank	Saint George	UT	57087	04/11/11
Mid City Bank, Inc.	Omaha	NE	19397	04/11/11
All American Bank	Des Plaines	IL	57759	28-Oct-11
Community Banks of Colorado	Greenwood Village	CO	21132	21-Oct-11
Community Capital Bank	Jonesboro	GA	57036	21-Oct-11
Decatur First Bank	Decatur	GA	34392	21-Oct-11
Old Harbor Bank	Clearwater	FL	57537	21-Oct-11
Country Bank	Aledo	IL	35395	14-Oct-11
First State Bank	Cranford	NJ	58046	14-Oct-11
Blue Ridge Savings Bank, Inc.	Asheville	NC	32347	14-Oct-11
Piedmont Community Bank	Gray	GA	57256	14-Oct-11
Sun Security Bank	Ellington	MO	20115	7-Oct-11
The RiverBank	Wyoming	MN	10216	7-Oct-11
First International Bank	Plano	TX	33513	30-Sep-11
Citizens Bank of Northern California	Nevada City	CA	33983	23-Sep-11
Bank of the Commonwealth	Norfolk	VA	20408	23-Sep-11
First National Bank of Florida	Milton	FL	25155	9-Sep-11
CreekSide Bank	Woodstock	GA	58226	2-Sep-11
Patriot Bank of Georgia	Cumming	GA	58273	2-Sep-11
First Choice Bank	Geneva	IL	57212	19-Aug-11
First Southern National Bank	Statesboro	GA	57239	19-Aug-11
Lydian Private Bank	Palm Beach	FL	35356	19-Aug-11
Public Savings Bank	Huntingdon Valley	PA	34130	18-Aug-11
The First National Bank of Olathe	Olathe	KS	4744	12-Aug-11
Bank of Whitman	Colfax	WA	22528	5-Aug-11
Bank of Shorewood	Shorewood	IL	22637	5-Aug-11
Integra Bank National Association	Evansville	IN	4392	29-Jul-11
BankMeridian, N.A.	Columbia	SC	58222	29-Jul-11
Virginia Business Bank	Richmond	VA	58283	29-Jul-11
Bank of Choice	Greeley	CO	2994	22-Jul-11
LandMark Bank of Florida	Sarasota	FL	35244	22-Jul-11
Southshore Community Bank	Apollo Beach	FL	58056	22-Jul-11
Summit Bank	Prescott	AZ	57442	15-Jul-11
First Peoples Bank	Port St. Lucie	FL	34870	15-Jul-11
High Trust Bank	Stockbridge	GA	19554	15-Jul-11
One Georgia Bank	Atlanta	GA	58238	15-Jul-11
Signature Bank	Windsor	CO	57835	8-Jul-11
Colorado Capital Bank	Castle Rock	CO	34522	8-Jul-11
First Chicago Bank & Trust	Chicago	IL	27935	8-Jul-11
Mountain Heritage Bank	Clayton	GA	57593	24-Jun-11
First Commercial Bank of Tampa Bay	Tampa	FL	27583	17-Jun-11
McIntosh State Bank	Jackson	GA	19237	17-Jun-11
Atlantic Bank and Trust	Charleston	SC	58420	3-Jun-11
First Heritage Bank	Snohomish	WA	23626	27-May-11
Summit Bank	Burlington	WA	513	20-May-11
First Georgia Banking Company	Franklin	GA	57647	20-May-11
Atlantic Southern Bank	Macon	GA	57213	20-May-11
Coastal Bank	Cocoa Beach	FL	34898	6-May-11
Community Central Bank	Mount Clemens	MI	34234	29/04/11
The Park Avenue Bank	Valdosta	GA	19797	29/04/11
First Choice Community Bank	Dallas	GA	58539	29/04/11
Cortez Community Bank	Brooksville	FL	57625	29/04/11
First National Bank of Central Florida	Winter Park	FL	26297	29/04/11
Heritage Banking Group	Carthage	MS	14273	15/04/11
Rosemount National Bank	Rosemount	MN	24099	15/04/11
Superior Bank	Birmingham	AL	17750	15/04/11
Nexity Bank	Birmingham	AL	19794	15/04/11
New Horizons Bank	East Ellijay	GA	57705	15/04/11
Bartow County Bank	Cartersville	GA	21495	15/04/11
Nevada Commerce Bank	Las Vegas	NV	35418	08/04/11
Western Springs National Bank and Trust	Western Springs	IL	10086	08/04/11
The Bank of Commerce	Wood Dale	IL	34292	25/03/11
Legacy Bank	Milwaukee	WI	34818	11/03/11
First National Bank of Davis	Davis	OK	4077	11/03/11
Valley Community Bank	St. Charles	IL	34187	25/02/11
San Luis Trust Bank, FSB	San Luis Obispo	CA	34783	18/02/11
Charter Oak Bank	Napa	CA	57855	18/02/11
Citizens Bank of Effingham	Springfield	GA	34601	18/02/11
Habersham Bank	Clarkesville	GA	151	18/02/11
Canyon National Bank	Palm Springs	CA	34692	11/02/11
Badger State Bank	Cassville	WI	13272	11/02/11
Peoples State Bank	Hamtramck	MI	14939	11/02/11
Sunshine State Community Bank	Port Orange	FL	35478	11/02/11
Community First Bank Chicago	Chicago	IL	57948	04/02/11
North Georgia Bank	Watkinsville	GA	35242	04/02/11
American Trust Bank	Roswell	GA	57432	04/02/11
First Community Bank	Taos	NM	12261	28-Jan-11
FirsTier Bank	Louisville	CO	57646	28-Jan-11
Evergreen State Bank	Stoughton	WI	5328	28-Jan-11
The First State Bank	Camargo	OK	2303	28-Jan-11
United Western Bank	Denver	CO	31293	21-Jan-11
The Bank of Asheville	Asheville	NC	34516	21-Jan-11
CommunitySouth Bank & Trust	Easley	SC	57868	21-Jan-11
Enterprise Banking Company	McDonough	GA	19758	21-Jan-11
Oglethorpe Bank	Brunswick	GA	57440	14-Jan-11
Legacy Bank	Scottsdale	AZ	57820	7-Jan-11
First Commercial Bank of Florida	Orlando	FL	34965	7-Jan-11
Community National Bank	Lino Lakes	MN	23306	17-Dec-10
First Southern Bank	Batesville	AR	58052	17-Dec-10
United Americas Bank, N.A.	Atlanta	GA	35065	17-Dec-10
Appalachian Community Bank, FSB	McCaysville	GA	58495	17-Dec-10
Chestatee State Bank	Dawsonville	GA	34578	17-Dec-10
The Bank of Miami,N.A.	Coral Gables	FL	19040	17-Dec-10
Earthstar Bank	Southampton	PA	35561	10-Dec-10
Paramount Bank	Farmington Hills	MI	34673	10-Dec-10
First Banking Center	Burlington	WI	5287	19/11/10
Allegiance Bank of North America	Bala Cynwyd	PA	35078	19/11/10
Gulf State Community Bank	Carrabelle	FL	20340	19/11/10
Copper Star Bank	Scottsdale	AZ	35463	12/11/10
Darby Bank & Trust Co.	Vidalia	GA	14580	12/11/10
Tifton Banking Company	Tifton	GA	57831	12/11/10
First Vietnamese American Bank	Westminster	CA	57885	05/11/10
Pierce Commercial Bank	Tacoma	WA	34411	05/11/10
Western Commercial Bank	Woodland Hills	CA	58087	05/11/10
K Bank	Randallstown	MD	31263	05/11/10
First Arizona Savings, A FSB	Scottsdale	AZ	32582	22-Oct-10
Hillcrest Bank	Overland Park	KS	22173	22-Oct-10
First Suburban National Bank	Maywood	IL	16089	22-Oct-10
The First National Bank of Barnesville	Barnesville	GA	2119	22-Oct-10
The Gordon Bank	Gordon	GA	33904	22-Oct-10
Progress Bank of Florida	Tampa	FL	32251	22-Oct-10
First Bank of Jacksonville	Jacksonville	FL	27573	22-Oct-10
Premier Bank	Jefferson City	MO	34016	15-Oct-10
WestBridge Bank and Trust Company	Chesterfield	MO	58205	15-Oct-10
Security Savings Bank, F.S.B.	Olathe	KS	30898	15-Oct-10
Shoreline Bank	Shoreline	WA	35250	1-Oct-10
Wakulla Bank	Crawfordville	FL	21777	1-Oct-10
North County Bank	Arlington	WA	35053	24-Sep-10
Haven Trust Bank Florida	Ponte Vedra Beach	FL	58308	24-Sep-10
Maritime Savings Bank	West Allis	WI	28612	17-Sep-10
Bramble Savings Bank	Milford	OH	27808	17-Sep-10
The Peoples Bank	Winder	GA	182	17-Sep-10
First Commerce Community Bank	Douglasville	GA	57448	17-Sep-10
Bank of Ellijay	Ellijay	GA	58197	17-Sep-10
ISN Bank	Cherry Hill	NJ	57107	17-Sep-10
Horizon Bank	Bradenton	FL	35061	10-Sep-10
Sonoma Valley Bank	Sonoma	CA	27259	20-Aug-10
Los Padres Bank	Solvang	CA	32165	20-Aug-10
Butte Community Bank	Chico	CA	33219	20-Aug-10
Pacific State Bank	Stockton	CA	27090	20-Aug-10
ShoreBank	Chicago	IL	15640	20-Aug-10
Imperial Savings and Loan Association	Martinsville	VA	31623	20-Aug-10
Independent National Bank	Ocala	FL	27344	20-Aug-10
Community National Bank at Bartow	Bartow	FL	25266	20-Aug-10
Palos Bank and Trust Company	Palos Heights	IL	17599	13-Aug-10
Ravenswood Bank	Chicago	IL	34231	6-Aug-10
LibertyBank	Eugene	OR	31964	30-Jul-10
The Cowlitz Bank	Longview	WA	22643	30-Jul-10
Coastal Community Bank	Panama City Beach	FL	9619	30-Jul-10
Bayside Savings Bank	Port Saint Joe	FL	57669	30-Jul-10
Northwest Bank & Trust	Acworth	GA	57658	30-Jul-10
Home Valley Bank	Cave Junction	OR	23181	23-Jul-10
SouthwestUSA Bank	Las Vegas	NV	35434	23-Jul-10
Community Security Bank	New Prague	MN	34486	23-Jul-10
Thunder Bank	Sylvan Grove	KS	10506	23-Jul-10
Williamsburg First National Bank	Kingstree	SC	17837	23-Jul-10
Crescent Bank and Trust Company	Jasper	GA	27559	23-Jul-10
Sterling Bank	Lantana	FL	32536	23-Jul-10
Mainstreet Savings Bank, FSB	Hastings	MI	28136	16-Jul-10
Olde Cypress Community Bank	Clewiston	FL	28864	16-Jul-10
Turnberry Bank	Aventura	FL	32280	16-Jul-10
Metro Bank of Dade County	Miami	FL	25172	16-Jul-10
First National Bank of the South	Spartanburg	SC	35383	16-Jul-10
Woodlands Bank	Bluffton	SC	32571	16-Jul-10
Home National Bank	Blackwell	OK	11636	9-Jul-10
USA Bank	Port Chester	NY	58072	9-Jul-10
Ideal Federal Savings Bank	Baltimore	MD	32456	9-Jul-10
Bay National Bank	Baltimore	MD	35462	9-Jul-10
High Desert State Bank	Albuquerque	NM	35279	25-Jun-10
First National Bank	Savannah	GA	34152	25-Jun-10
Peninsula Bank	Englewood	FL	26563	25-Jun-10
Nevada Security Bank	Reno	NV	57110	18-Jun-10
Washington First International Bank	Seattle	WA	32955	11-Jun-10
TierOne Bank	Lincoln	NE	29341	4-Jun-10
Arcola Homestead Savings Bank	Arcola	IL	31813	4-Jun-10
First National Bank	Rosedale	MS	15814	4-Jun-10
Sun West Bank	Las Vegas	NV	34785	28-May-10
Granite Community Bank, NA	Granite Bay	CA	57315	28-May-10
Bank of Florida – Tampa	Tampa	FL	57814	28-May-10
Bank of Florida – Southwest	Naples	FL	35106	28-May-10
Bank of Florida – Southeast	Fort Lauderdale	FL	57360	28-May-10
Pinehurst Bank	Saint Paul	MN	57735	21-May-10
Midwest Bank and Trust Company	Elmwood Park	IL	18117	14-May-10
Southwest Community Bank	Springfield	MO	34255	14-May-10
New Liberty Bank	Plymouth	MI	35586	14-May-10
Satilla Community Bank	Saint Marys	GA	35114	14-May-10
1st Pacific Bank of California	San Diego	CA	35517	7-May-10
Towne Bank of Arizona	Mesa	AZ	57697	7-May-10
Access Bank	Champlin	MN	16476	7-May-10
The Bank of Bonifay	Bonifay	FL	14246	7-May-10
Frontier Bank	Everett	WA	22710	30/04/10
BC National Banks	Butler	MO	17792	30/04/10
Champion Bank	Creve Coeur	MO	58362	30/04/10
CF Bancorp	Port Huron	MI	30005	30/04/10
Westernbank Puerto Rico	Mayaguez	PR	31027	30/04/10
R-G Premier Bank of Puerto Rico	Hato Rey	PR	32185	30/04/10
Eurobank	San Juan	PR	27150	30/04/10
Wheatland Bank	Naperville	IL	58429	23/04/10
Peotone Bank and Trust Company	Peotone	IL	10888	23/04/10
Lincoln Park Savings Bank	Chicago	IL	30600	23/04/10
New Century Bank	Chicago	IL	34821	23/04/10
Citizens Bank and Trust Company of Chicago	Chicago	IL	34658	23/04/10
Broadway Bank	Chicago	IL	22853	23/04/10
Amcore Bank, National Association	Rockford	IL	3735	23/04/10
City Bank	Lynnwood	WA	21521	16/04/10
Tamalpais Bank	San Rafael	CA	33493	16/04/10
Innovative Bank	Oakland	CA	23876	16/04/10
Butler Bank	Lowell	MA	26619	16/04/10
Riverside National Bank of Florida	Fort Pierce	FL	24067	16/04/10
AmericanFirst Bank	Clermont	FL	57724	16/04/10
First Federal Bank of North Florida	Palatka	FL	28886	16/04/10
Lakeside Community Bank	Sterling Heights	MI	34878	16/04/10
Beach First National Bank	Myrtle Beach	SC	34242	09/04/10
Desert Hills Bank	Phoenix	AZ	57060	26/03/10
Unity National Bank	Cartersville	GA	34678	26/03/10
Key West Bank	Key West	FL	34684	26/03/10
McIntosh Commercial Bank	Carrollton	GA	57399	26/03/10
State Bank of Aurora	Aurora	MN	8221	19/03/10
First Lowndes Bank	Fort Deposit	AL	24957	19/03/10
Bank of Hiawassee	Hiawassee	GA	10054	19/03/10
Appalachian Community Bank	Ellijay	GA	33989	19/03/10
Advanta Bank Corp.	Draper	UT	33535	19/03/10
Century Security Bank	Duluth	GA	58104	19/03/10
American National Bank	Parma	OH	18806	19/03/10
Statewide Bank	Covington	LA	29561	12/03/10
Old Southern Bank	Orlando	FL	58182	12/03/10
The Park Avenue Bank	New York	NY	27096	12/03/10
LibertyPointe Bank	New York	NY	58071	11/03/10
Centennial Bank	Ogden	UT	34430	05/03/10
Waterfield Bank	Germantown	MD	34976	05/03/10
Bank of Illinois	Normal	IL	9268	05/03/10
Sun American Bank	Boca Raton	FL	27126	05/03/10
Rainier Pacific Bank	Tacoma	WA	38129	26/02/10
Carson River Community Bank	Carson City	NV	58352	26/02/10
La Jolla Bank, FSB	La Jolla	CA	32423	19/02/10
George Washington Savings Bank	Orland Park	IL	29952	19/02/10
The La Coste National Bank	La Coste	TX	3287	19/02/10
Marco Community Bank	Marco Island	FL	57586	19/02/10
1st American State Bank of Minnesota	Hancock	MN	15448	05/02/10
American Marine Bank	Bainbridge Island	WA	16730	29-Jan-10
First Regional Bank	Los Angeles	CA	23011	29-Jan-10
Community Bank and Trust	Cornelia	GA	5702	29-Jan-10
Marshall Bank, N.A.	Hallock	MN	16133	29-Jan-10
Florida Community Bank	Immokalee	FL	5672	29-Jan-10
First National Bank of Georgia	Carrollton	GA	16480	29-Jan-10
Columbia River Bank	The Dalles	OR	22469	22-Jan-10
Evergreen Bank	Seattle	WA	20501	22-Jan-10
Charter Bank	Santa Fe	NM	32498	22-Jan-10
Bank of Leeton	Leeton	MO	8265	22-Jan-10
Premier American Bank	Miami	FL	57147	22-Jan-10
Barnes Banking Company	Kaysville	UT	1252	15-Jan-10
St. Stephen State Bank	St. Stephen	MN	17522	15-Jan-10
Town Community Bank & Trust	Antioch	IL	34705	15-Jan-10
Horizon Bank	Bellingham	WA	22977	8-Jan-10
First Federal Bank of California, F.S.B.	Santa Monica	CA	28536	18-Dec-09
Imperial Capital Bank	La Jolla	CA	26348	18-Dec-09
Independent Bankers’ Bank	Springfield	IL	26820	18-Dec-09
New South Federal Savings Bank	Irondale	AL	32276	18-Dec-09
Citizens State Bank	New Baltimore	MI	1006	18-Dec-09
Peoples First Community Bank	Panama City	FL	32167	18-Dec-09
RockBridge Commercial Bank	Atlanta	GA	58315	18-Dec-09
SolutionsBank	Overland Park	KS	4731	11-Dec-09
Valley Capital Bank, N.A.	Mesa	AZ	58399	11-Dec-09
Republic Federal Bank, N.A.	Miami	FL	22846	11-Dec-09
Greater Atlantic Bank	Reston	VA	32583	4-Dec-09
Benchmark Bank	Aurora	IL	10440	4-Dec-09
AmTrust Bank	Cleveland	OH	29776	4-Dec-09
The Tattnall Bank	Reidsville	GA	12080	4-Dec-09
First Security National Bank	Norcross	GA	26290	4-Dec-09
The Buckhead Community Bank	Atlanta	GA	34663	4-Dec-09
Commerce Bank of Southwest Florida	Fort Myers	FL	58016	20/11/09
Pacific Coast National Bank	San Clemente	CA	57914	13/11/09
Orion Bank	Naples	FL	22427	13/11/09
Century Bank, F.S.B.	Sarasota	FL	32267	13/11/09
United Commercial Bank	San Francisco	CA	32469	06/11/09
Gateway Bank of St. Louis	St. Louis	MO	19450	06/11/09
Prosperan Bank	Oakdale	MN	35074	06/11/09
Home Federal Savings Bank	Detroit	MI	30329	06/11/09
United Security Bank	Sparta	GA	22286	06/11/09
North Houston Bank	Houston	TX	18776	30-Oct-09
Madisonville State Bank	Madisonville	TX	33782	30-Oct-09
Citizens National Bank	Teague	TX	25222	30-Oct-09
Park National Bank	Chicago	IL	11677	30-Oct-09
Pacific National Bank	San Francisco	CA	30006	30-Oct-09
California National Bank	Los Angeles	CA	34659	30-Oct-09
San Diego National Bank	San Diego	CA	23594	30-Oct-09
Community Bank of Lemont	Lemont	IL	35291	30-Oct-09
Bank USA, N.A.	Phoenix	AZ	32218	30-Oct-09
First DuPage Bank	Westmont	IL	35038	23-Oct-09
Riverview Community Bank	Otsego	MN	57525	23-Oct-09
Bank of Elmwood	Racine	WI	18321	23-Oct-09
Flagship National Bank	Bradenton	FL	35044	23-Oct-09
Hillcrest Bank Florida	Naples	FL	58336	23-Oct-09
American United Bank	Lawrenceville	GA	57794	23-Oct-09
Partners Bank	Naples	FL	57959	23-Oct-09
San Joaquin Bank	Bakersfield	CA	23266	16-Oct-09
Southern Colorado National Bank	Pueblo	CO	57263	2-Oct-09
Jennings State Bank	Spring Grove	MN	11416	2-Oct-09
Warren Bank	Warren	MI	34824	2-Oct-09
Georgian Bank	Atlanta	GA	57151	25-Sep-09
Irwin Union Bank, F.S.B.	Louisville	KY	57068	18-Sep-09
Irwin Union Bank and Trust Company	Columbus	IN	10100	18-Sep-09
Venture Bank	Lacey	WA	22868	11-Sep-09
Brickwell Community Bank	Woodbury	MN	57736	11-Sep-09
Corus Bank, N.A.	Chicago	IL	13693	11-Sep-09
First State Bank	Flagstaff	AZ	34875	4-Sep-09
Platinum Community Bank	Rolling Meadows	IL	35030	4-Sep-09
Vantus Bank	Sioux City	IA	27732	4-Sep-09
InBank	Oak Forest	IL	20203	4-Sep-09
First Bank of Kansas City	Kansas City	MO	25231	4-Sep-09
Affinity Bank	Ventura	CA	27197	28-Aug-09
Mainstreet Bank	Forest Lake	MN	1909	28-Aug-09
Bradford Bank	Baltimore	MD	28312	28-Aug-09
Guaranty Bank	Austin	TX	32618	21-Aug-09
CapitalSouth Bank	Birmingham	AL	22130	21-Aug-09
First Coweta Bank	Newnan	GA	57702	21-Aug-09
ebank	Atlanta	GA	34682	21-Aug-09
Community Bank of Nevada	Las Vegas	NV	34043	14-Aug-09
Community Bank of Arizona	Phoenix	AZ	57645	14-Aug-09
Union Bank, National Association	Gilbert	AZ	34485	14-Aug-09
Colonial Bank	Montgomery	AL	9609	14-Aug-09
Dwelling House Savings and Loan Association	Pittsburgh	PA	31559	14-Aug-09
Community First Bank	Prineville	OR	23268	7-Aug-09
Community National Bank of Sarasota County	Venice	FL	27183	7-Aug-09
First State Bank	Sarasota	FL	27364	7-Aug-09
Mutual Bank	Harvey	IL	18659	31-Jul-09
First BankAmericano	Elizabeth	NJ	34270	31-Jul-09
Peoples Community Bank	West Chester	OH	32288	31-Jul-09
Integrity Bank	Jupiter	FL	57604	31-Jul-09
First State Bank of Altus	Altus	OK	9873	31-Jul-09
Security Bank of Jones County	Gray	GA	8486	24-Jul-09
Security Bank of Houston County	Perry	GA	27048	24-Jul-09
Security Bank of Bibb County	Macon	GA	27367	24-Jul-09
Security Bank of North Metro	Woodstock	GA	57105	24-Jul-09
Security Bank of North Fulton	Alpharetta	GA	57430	24-Jul-09
Security Bank of Gwinnett County	Suwanee	GA	57346	24-Jul-09
Waterford Village Bank	Williamsville	NY	58065	24-Jul-09
Temecula Valley Bank	Temecula	CA	34341	17-Jul-09
Vineyard Bank	Rancho Cucamonga	CA	23556	17-Jul-09
BankFirst	Sioux Falls	SD	34103	17-Jul-09
First Piedmont Bank	Winder	GA	34594	17-Jul-09
Bank of Wyoming	Thermopolis	WY	22754	10-Jul-09
Founders Bank	Worth	IL	18390	2-Jul-09
Millennium State Bank of Texas	Dallas	TX	57667	2-Jul-09
First National Bank of Danville	Danville	IL	3644	2-Jul-09
Elizabeth State Bank	Elizabeth	IL	9262	2-Jul-09
Rock River Bank	Oregon	IL	15302	2-Jul-09
First State Bank of Winchester	Winchester	IL	11710	2-Jul-09
John Warner Bank	Clinton	IL	12093	2-Jul-09
Mirae Bank	Los Angeles	CA	57332	26-Jun-09
MetroPacific Bank	Irvine	CA	57893	26-Jun-09
Horizon Bank	Pine City	MN	9744	26-Jun-09
Neighborhood Community Bank	Newnan	GA	35285	26-Jun-09
Community Bank of West Georgia	Villa Rica	GA	57436	26-Jun-09
First National Bank of Anthony	Anthony	KS	4614	19-Jun-09
Cooperative Bank	Wilmington	NC	27837	19-Jun-09
Southern Community Bank	Fayetteville	GA	35251	19-Jun-09
Bank of Lincolnwood	Lincolnwood	IL	17309	5-Jun-09
Citizens National Bank	Macomb	IL	5757	22-May-09
Strategic Capital Bank	Champaign	IL	35175	22-May-09
BankUnited, FSB	Coral Gables	FL	32247	21-May-09
Westsound Bank	Bremerton	WA	34843	8-May-09
America West Bank	Layton	UT	35461	1-May-09
Citizens Community Bank	Ridgewood	NJ	57563	1-May-09
Silverton Bank, NA	Atlanta	GA	26535	1-May-09
First Bank of Idaho	Ketchum	ID	34396	24/04/09
First Bank of Beverly Hills	Calabasas	CA	32069	24/04/09
Michigan Heritage Bank	Farmington Hills	MI	34369	24/04/09
American Southern Bank	Kennesaw	GA	57943	24/04/09
Great Basin Bank of Nevada	Elko	NV	33824	17/04/09
American Sterling Bank	Sugar Creek	MO	8266	17/04/09
New Frontier Bank	Greeley	CO	34881	10/04/09
Cape Fear Bank	Wilmington	NC	34639	10/04/09
Omni National Bank	Atlanta	GA	22238	27/03/09
TeamBank, NA	Paola	KS	4754	20/03/09
Colorado National Bank	Colorado Springs	CO	18896	20/03/09
FirstCity Bank	Stockbridge	GA	18243	20/03/09
Freedom Bank of Georgia	Commerce	GA	57558	06/03/09
Security Savings Bank	Henderson	NV	34820	27/02/09
Heritage Community Bank	Glenwood	IL	20078	27/02/09
Silver Falls Bank	Silverton	OR	35399	20/02/09
Pinnacle Bank of Oregon	Beaverton	OR	57342	13/02/09
Corn Belt Bank & Trust Co.	Pittsfield	IL	16500	13/02/09
Riverside Bank of the Gulf Coast	Cape Coral	FL	34563	13/02/09
Sherman County Bank	Loup City	NE	5431	13/02/09
County Bank	Merced	CA	22574	06/02/09
Alliance Bank	Culver City	CA	23124	06/02/09
FirstBank Financial Services	McDonough	GA	57017	06/02/09
Ocala National Bank	Ocala	FL	26538	30-Jan-09
Suburban FSB	Crofton	MD	30763	30-Jan-09
MagnetBank	Salt Lake City	UT	58001	30-Jan-09
1st Centennial Bank	Redlands	CA	33025	23-Jan-09
Bank of Clark County	Vancouver	WA	34959	16-Jan-09
National Bank of Commerce	Berkeley	IL	19733	16-Jan-09
Sanderson State Bank	Sanderson	TX	11568	12-Dec-08
Haven Trust Bank	Duluth	GA	35379	12-Dec-08
First Georgia Community Bank	Jackson	GA	34301	5-Dec-08
PFF Bank & Trust	Pomona	CA	28344	21/11/08
Downey Savings & Loan	Newport Beach	CA	30968	21/11/08
Community Bank	Loganville	GA	16490	21/11/08
Security Pacific Bank	Los Angeles	CA	23595	07/11/08
Franklin Bank, SSB	Houston	TX	26870	07/11/08
Freedom Bank	Bradenton	FL	57930	31-Oct-08
Alpha Bank & Trust	Alpharetta	GA	58241	24-Oct-08
Meridian Bank	Eldred	IL	13789	10-Oct-08
Main Street Bank	Northville	MI	57654	10-Oct-08
Washington Mutual Bank	Henderson	NV	32633	25-Sep-08
Ameribank	Northfork	WV	6782	19-Sep-08
Silver State Bank	Henderson	NV	34194	5-Sep-08
Integrity Bank	Alpharetta	GA	35469	29-Aug-08
Columbian Bank & Trust	Topeka	KS	22728	22-Aug-08
First Priority Bank	Bradenton	FL	57523	1-Aug-08
First Heritage Bank, NA	Newport Beach	CA	57961	25-Jul-08
First National Bank of Nevada	Reno	NV	27011	25-Jul-08
IndyMac Bank	Pasadena	CA	29730	11-Jul-08
First Integrity Bank, NA	Staples	MN	12736	30-May-08
ANB Financial, NA	Bentonville	AR	33901	9-May-08
Hume Bank	Hume	MO	1971	07/03/08
Douglass National Bank	Kansas City	MO	24660	25-Jan-08
Miami Valley Bank	Lakeview	OH	16848	4-Oct-07
NetBank	Alpharetta	GA	32575	28-Sep-07
Metropolitan Savings Bank	Pittsburgh	PA	35353	02/02/07
Bank of Ephraim	Ephraim	UT	1249	25-Jun-04
Reliance Bank	White Plains	NY	26778	19/03/04
Guaranty National Bank of Tallahassee	Tallahassee	FL	26838	12/03/04
Dollar Savings Bank	Newark	NJ	31330	14/02/04
Pulaski Savings Bank	Philadelphia	PA	27203	14/11/03
First National Bank of Blanchardville	Blanchardville	WI	11639	9-May-03
Southern Pacific Bank	Torrance	CA	27094	07/02/03
Farmers Bank of Cheneyville	Cheneyville	LA	16445	17-Dec-02
Bank of Alamo	Alamo	TN	9961	08/11/02
AmTrade International Bank	Atlanta	GA	33784	30-Sep-02
Universal Federal Savings Bank	Chicago	IL	29355	27-Jun-02
Connecticut Bank of Commerce	Stamford	CT	19183	26-Jun-02
New Century Bank	Shelby Township	MI	34979	28/03/02
Net 1st National Bank	Boca Raton	FL	26652	01/03/02
NextBank, NA	Phoenix	AZ	22314	07/02/02
Oakwood Deposit Bank Co.	Oakwood	OH	8966	01/02/02
Bank of Sierra Blanca	Sierra Blanca	TX	22002	18-Jan-02
Hamilton Bank, NA	Miami	FL	24382	11-Jan-02
Sinclair National Bank	Gravette	AR	34248	7-Sep-01
Superior Bank, FSB	Hinsdale	IL	32646	27-Jul-01
Malta National Bank	Malta	OH	6629	3-May-01
First Alliance Bank & Trust Co.	Manchester	NH	34264	02/02/01
National State Bank of Metropolis	Metropolis	IL	3815	14-Dec-00
Bank of Honolulu	Honolulu	HI	21029	13-Oct-00

Come si vede dalla tabella non c’è da stare molto allegri, però molti diranno: ehhh!!! Ma stiamo parlando dell’America e noi che caspita c’entriamo? Beh, quello che posso dire, visto che noi europei – italiani – siamo sempre proni alla cultura d’oltre oceano, è che ciò che succede lì succederà anche da noi.

Il caso vuole infatti che in questi ultimi giorni di grande fermento finanziario ci sia una corsa spasmodica alla ricerca di liquidità da parte delle banche (non si fidano più le une delle altre) e stanno entrando in competizione con le emissioni dei titoli di stato (Btp, Bot, Cct, Ctz). Le offerte sono varie sopratutto per quanto riguarda la voce interessi e molte banche online stanno facendo furori per offrire interessi dal 4 al 5% netti su denari depositati e vincolati per uno o due anni in certificati di deposito.

Ora siccome in Italia nessuna banca è mai fallita fino ad oggi (quelle che una volta erano le vari Banco di Roma, Banca nazionale del Lavoro, Bipo Carire, Banco di Napoli e così via sono state assorbite da altre banche spalmando i costi dei fallimenti sui vari conti dei privati e su interventi di stato che abbiamo pagato con le nostre tasse) il pensiero comune è che in Italia le banche non falliscono: sbagliato. Per una serie di motivi: 1) riguarda la distribuzione dei costi del fallimento che ricadrebbero sulla società e sugli azionisti della banca fallita; 2) perché le banche attualmente sono talmente interconnesse  che quello che accade in un paese sconosciuto può avere ripercussioni mostruose in casa nostra; 3) i giochi finanziari al momento attuale sono talmente elevati che nessuna banca sarebbe in grado di far fronte ad una eventuale perdita e nessuno accorerebbe a salvarla – a parte quanto stabilito per legge (vedasi: Fondo Nazionale di Garanzia e Fondo Interbancario di Tutela dei Depositi); 4) la carta straccia in pancia alle nostre banche è talmente elevata che nessun darebbe un nichelino; 5) unico vantaggio è che i risparmi degli italiani sono una grossa tentazione per il sistema bancario e come ogni sciacallo il sistema bancario non lesina offerte per convogliare i denari detenuti dei privati nelle loro casse.

E’ chiaro quindi che tutto quello che esce dal seminato non viene riconosciuto, il che vuol dire che i certificati di deposito e i conti di deposito vincolati e i pronti contro termine non hanno nessuna garanzia in caso di fallimento della banca. Ovvero se la banca fallisce si perde il denaro.

Fate i vostri conti.