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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.

  1. 27 novembre 2011 alle 09:58

    Le banche Americane si stanno preparando al crollo dell’euro……crollerà?

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