本周五内华达银行成为美国2008年第11家倒闭银行

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http://news.yahoo.com/s/nm/20080906/us_nm/silverstate_fdic_dc_3

Nevada bank becomes 11th failed bank in 2008: FDIC
By John PoirierFri Sep 5, 11:44 PM ET



Regulators closed Silver State Bank on Friday, the 11th U.S. bank to fail this year as the struggling economy and falling home prices take their toll on financial institutions.
The Federal Deposit Insurance Corp said the Henderson, Nevada bank had $2 billion in assets and $1.7 billion in deposits as of June 30. The failure is expected to cost the FDIC deposit insurance fund between $450 million and $550 million.
Nevada State Bank, which is based in Las Vegas, has agreed to assume the insured deposits. The transaction did not include about $700 million in volatile, high-cost insured funds called brokered deposits.
The FDIC said it will pay the brokers directly for their deposits at Silver State, which was closed by Nevada state banking officials. Its branches will reopen as Nevada State Bank in Nevada and National Bank of Arizona in Arizona.
The FDIC estimated there were about $20 million in uninsured deposits.
Customers can access their money over the weekend by check, teller machine or debit card, the FDIC said.
The biggest bank failure by far this year was IndyMac, seized on July 11 with $32 billion in assets and $19 billion in deposits as of March. It was the third-largest bank insolvency in U.S. history.
The FDIC oversees an industry-funded reserve, which currently stands at about $45 billion, used to insure up to $100,000 per account and $250,000 per individual retirement account at insured banks.
The federal insurer said Nevada State Bank will also buy a small unspecified amount of assets made up of cash and securities. The FDIC said it will try to sell the remaining assets at a later time.
Silver State Bank is the second bank to fail in Nevada this year. First National Bank of Nevada in Reno failed in July.
The agency also has a running tally of problem banks that its examiners closely monitor. At the end of second quarter, 117 institutions were on that list.
The FDIC does not name the institutions on the list.

(Reporting by John Poirier; editing by Carol Bishopric, Gary Hill)